220 River Oaks Dr, Cold Spring, MN 56320 Property Records

Stearns County property record for 220 River Oaks Dr, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,247 sqft · built 1996
Lot Size	0.256 acres (11,152 sqft)
Owner	Individual Name on Record
Last Sale	$382,000 (Jun 2022)
Tax Bill	$4,412 (2026)
Deeds & Mortgages	Jul 2022 Sale Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29703-0027`

Property Details

APN / Parcel Number

Primary APN	`48-29703-0027`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Stories	1 Story
Building Area	1,247 sqft Living Area
Gross Area	1,604 sqft
1st Floor Area	1,103 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,152 sqft (0.256 acres)
Lot Dimensions	136 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	220 RIVER OAKS DR
City	COLD SPRING
State	MN
Zip	56320-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 015 BLK 002 RIVER OAKS VILLA SECTION 14 TOWNSHIP 123 RANGE 030 SECTION 14 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	14
Legal Subdivision	RIVER OAKS VILLA
Legal Block	2
Legal Lot Number	15
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	3
Census Block	3020
Census Tract	11302

Owner

Source: Stearns County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	220 RIVER OAKS DR, COLD SPRING, MN 56320-1503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Warranty Deed, Transfer MISC COMPANY
Jul 28, 2017	Warranty Deed, Transfer BURNETT TITLE, BURNET TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2022 · Amount on Record
Deed Sale	Jun 24, 2022 · Amount on Record
Prior Sale	Jul 28, 2017 · Amount on Record
Deed Document Number	20221430890
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 1, 2022
Property Address	220 RIVER OAKS DR, COLD SPRING, MN 56320-1503
Document Number	00A1635786
Instrument Date	Jun 24, 2022
Instrument	A1635786
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	220 RIVER OAKS DR, COLD SPRING, MN 56320-1503

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 28, 2017
Property Address	220 RIVER OAKS DR, COLD SPRING, MN 56320-1503
Document Number	00A1501100
Instrument Date	Jul 7, 2017
Instrument	A1501100
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Tax	$923.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	220 RIVER OAKS DR, COLD SPRING, MN 56320-1503

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Cold Spring City
County	Stearns County
Unified School District	Rocori Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,412.00 (+26.35%)
2025		$367,900 (+6.85%) Land $49,500 Building $318,400	$367,900 (+6.85%) Land $49,500 Building $318,400
2023	$3,492.00	$344,300 Land $49,500 Building $294,800	$344,300 Land $49,500 Building $294,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1984–2022)
Most Recent Claim	May 2022 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Cold Spring serves 4,201 people · EPA ID MN1730006
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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