540 River Park Rd SE, Oronoco, MN 55960 Property Records

Olmsted County property record for 540 River Park Rd SE, Oronoco, MN 55960

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,101 sqft · built 2016
Lot Size	0.969 acres (42,210 sqft)
Owner	2 Individual Names on File
Last Sale	$72,000 (Jun 2016)
Tax Bill	$11,904 (2026)
Deeds & Mortgages	Feb 2017 Mortgage Apr 2017 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`84.17.13.074375`

Property Details

APN / Parcel Number

Primary APN	`84.17.13.074375`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,101 sqft Living Area
1st Floor Area	2,101 sqft
Basement Area	2,065 sqft
Finished Basement	1,755 sqft
Unfinished Basement	310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	42,210 sqft (0.969 acres)
Garage Type	Mixed
Garage Area	2,096 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	666 sqft
Porch	Slab
Porch Area	384 sqft
Deck Area	88 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 RIVER PARK RD SE
City	ORONOCO
State	MN
Zip	55960-2099
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-17 TWP-108 RANGE-014 RIVER PARK SUB LOT-001 BLOCK-004 LOT 1 BLK 4
Legal Range	14
Legal Township	108
Legal Section	17
Legal Subdivision	RIVER PARK SUB
Legal Block	4
Legal Lot Number	1
Jurisdiction	OLMSTED MN
Township / Civil Division	ORONOCO
Census Block Group	1
Census Block	1055
Census Tract	1902

Owner

540 River Park Rd SE is owned and occupied by two individuals who bought it in June 2016.

Source: Olmsted County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	540 RIVER PARK RD SE, ORONOCO, MN 55960-2099
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2017	Deed of Trust, Mortgage · ARM MANUFACTURERS BANK & TRUST CO
Apr 18, 2017	Deed of Trust, Mortgage · Line of Credit THINK MUTUAL BANK
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage THINK MUTUAL BANK
Nov 17, 2020	Deed of Trust, Mortgage · Line of Credit THINK MUTUAL BANK
Sep 23, 2019	Deed of Trust, Mortgage · Line of Credit THINK MUTUAL BANK
Jul 12, 2019	Deed of Trust, Mortgage · ARM THINK MUTUAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2016 · Amount on File
Deed Sale	Jun 6, 2016 · Amount on File
Prior Sale	Mar 24, 2015 · Amount on File
Deed Document Number	20161398191
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	540 RIVER PARK RD SE, ORONOCO, MN 55960-2099
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1417082
Date	Feb 1, 2017
Instrument	A1417082

Lender

Name	MANUFACTURERS BANK & TRUST CO
Type	Bank
Address	FOREST CITY, IA 50436

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	540 RIVER PARK RD SE, ORONOCO, MN 55960-2099
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1421766
Date	Apr 18, 2017
Instrument	A-1421766

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	540 RIVER PARK RD SE, ORONOCO, MN 55960-2099
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1518514
Date	Nov 25, 2020
Instrument	A-1518514

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	540 RIVER PARK RD SE, ORONOCO, MN 55960-2099
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1517704
Date	Nov 17, 2020
Instrument	A-1517704

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Sep 11, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	540 RIVER PARK RD SE, ORONOCO, MN 55960-2099
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1481866
Date	Sep 23, 2019
Instrument	A-1481866

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	540 RIVER PARK RD SE, ORONOCO, MN 55960-2099
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1476268
Date	Jul 12, 2019
Instrument	A-1476268

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	7.87%

Tax Assessment & Valuation

The 2026 property tax bill for 540 River Park Rd SE was $11,904 with a homeowner's exemption.

Source: Olmsted County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Olmsted County
Municipality	Oronoco City
Unified School District	Rochester Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,904.00 Homeowner's exemption
2025		$807,200 Land $150,000 Building $657,200	$807,200 Land $150,000 Building $657,200

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

Flood

FEMA maps place 540 River Park Rd SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

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

Wildfire risk around 540 River Park Rd SE is low, with a 0.01% annual chance of 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	Oronoco serves 2,040 people · EPA ID MN1550036
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bevcomm Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Minnesota WiFi, Verizon.

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