990 Cedar Point Ln SE, Oronoco, MN 55960 Property Records

Olmsted County property record for 990 Cedar Point Ln SE, Oronoco, MN 55960

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,048 sqft · built 2004
Lot Size	0.918 acres (39,988 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Jul 2017)
Tax Bill	$10,044 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`84.20.11.070138`

Property Details

APN / Parcel Number

Primary APN	`84.20.11.070138`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,048 sqft Living Area
1st Floor Area	2,048 sqft
Basement Area	1,918 sqft
Finished Basement	1,725 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,988 sqft (0.918 acres)
Garage Type	Mixed
Garage Area	2,282 sqft
Parking Spaces	8 Parking Spaces
Porch	Patio
Porch Area	232 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	990 CEDAR POINT LN SE
City	ORONOCO
State	MN
Zip	55960-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-108 RANGE-014 CEDAR WOODLANDS LOT-002 BLOCK-002 LOT 2 BLK 2
Legal Range	14
Legal Township	108
Legal Section	20
Legal Subdivision	CEDAR WOODLANDS
Legal Block	2
Legal Lot Number	2
Jurisdiction	OLMSTED MN
Township / Civil Division	ORONOCO
Census Block Group	1
Census Block	1053
Census Tract	1902

Owner

990 Cedar Point Ln SE is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	990 CEDAR POINT LN SE, ORONOCO, MN 55960-2314
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
Jan 4, 2018	Deed of Trust, Mortgage · Commercial Mortgage MINNWEST BANK
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ONB BANK & TRUST CO
Jul 30, 2024	Deed of Trust, Mortgage · Line of Credit MINNWEST BANK
Jul 12, 2017	Warranty Deed, Subdivision Related Transfer · Line of Credit PREMIER BANK
Jul 12, 2017	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2017 · Amount on File
Deed Sale	Jul 12, 2017 · Amount on File
Prior Sale	Jul 12, 2017 · Amount on File
Deed Document Number	20171428261
Prior Transfer Date	Sep 14, 2011
Prior Transfer Doc	00A1268364
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	990 CEDAR POINT LN SE, ORONOCO, MN 55960-2314
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1441071
Date	Jan 4, 2018
Instrument	A-1441071

Lender

Name	MINNWEST BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Dec 1, 2027

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	990 CEDAR POINT LN SE, ORONOCO, MN 55960-2314
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1546849
Date	Sep 20, 2021
Instrument	A-1546849

Lender

Name	ONB BANK & TRUST CO
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2031

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLMSTED MN
Property Address	990 CEDAR POINT LN SE, ORONOCO, MN 55960-2314
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	990 CEDAR POINT LN SE, ORONOCO, MN 55960-2314

Mortgage

Document Number	00A1608966
Date	Jul 30, 2024
Instrument	A-1608966

Lender

Name	MINNWEST BANK
Type	Bank
Address	ROCHESTER, MN 55902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Aug 1, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Jul 12, 2017
Property Address	990 CEDAR POINT LN SE, ORONOCO, MN 55960-2314
Document Number	00A1428261
Instrument Date	Jul 12, 2017
Instrument	A-1428261
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2025
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount on Record
Tax	$313.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6496 SUMMIT POINTE RD NW, ROCHESTER, MN 55901-5657
Investor	Possibly a Property Investor

Mortgage

Document Number	00A1428262
Date	Jul 12, 2017
Instrument	A-1428262

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jul 12, 2018

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLMSTED MN
Recording Date	Jul 12, 2017
Property Address	990 CEDAR POINT LN SE, ORONOCO, MN 55960-2314
Document Number	00A1428205
Instrument Date	Jul 3, 2017
Instrument	A-1428205
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	TITLE SERVICES, INC., TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,567.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	990 CEDAR POINT LN SE, ORONOCO, MN 55960-2314

Mortgage

Document Number	00A1428206
Date	Jul 12, 2017
Instrument	A-1428206

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 990 Cedar Point Ln SE was $10,044 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	$10,044.00 Homeowner's exemption
2025		$690,400 (+9.52%) Land $150,000 Building $540,400	$690,400 (+9.52%) Land $150,000 Building $540,400
2024	$8,266.00	$630,400 Land $100,000 Building $530,400	$630,400 Land $100,000 Building $530,400

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

Flood

FEMA maps place 990 Cedar Point Ln SE in Zone X, an area of minimal flood risk, within 100 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 100 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 990 Cedar Point Ln 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bevcomm Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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