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Single Family ResidenceResidential
$320,268$152 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 76How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $160,000 on Oct 24, 2017

109 RIVER OAKS DR

COLD SPRING, MN 56320
4
Beds
4
Baths
2,112 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$320K
$243K low$397K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$160,000 · Oct 24, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,062 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$425,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$52,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$373,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$416,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$425,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
50
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySTEARNS
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2000
Lot (acres)The size of the land the home sits on, from county records.0.26
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Neighborhood · ZIP 56320These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.92
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.7,250
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.130 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$95,675
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,390
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 River Oaks Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Stearns County
  • Costs less per square foot than 90% of homes in Cold Spring 56320
  • Bigger than 87% of homes in Cold Spring 56320
  • Has a smaller lot than 75% of homes in Cold Spring 56320

What homes are worth in Cold Spring 56320

Each bar is how many homes fall in that price range. The marker is this home.

This home
$151K$791K

This home is worth more than 55% of homes in Cold Spring 56320.

How it measures up in Cold Spring 56320

The dot is this home. The mark in the middle is the typical home in Cold Spring 56320.

Estimated value$320,268
CheaperTypical $303,592Pricier

Pricier than 55% of homes nearby

Price per ft²$152
CheaperTypical $217Pricier

Pricier than 10% of homes nearby

Living area2,112 ft²
SmallerTypical 1,410 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.26 ac
SmallerTypical 0.46 acBigger

Bigger than 25% of homes nearby

Year built1990
OlderTypical 1987Newer

Newer than 56% of homes nearby

How 109 River Oaks Dr ranks against every home in each area.
MeasureThis homeCold Spring 56320Stearns County
Estimated valuepricier than$320,26855% of homes71% of homes
Price per ft²pricier than$15210% of homes31% of homes
Living areabigger than2,112 ft²87% of homes87% of homes
Lot sizebigger than0.26 ac25% of homes34% of homes
Year builtnewer than199056% of homes60% of homes

About 109 River Oaks Dr

How much is 109 River Oaks Dr, Cold Spring, MN worth?

The TopHap Estimate for 109 River Oaks Dr, Cold Spring, MN is $320,268 as of Aug 30, 2026. The likely range is $243,064 to $397,472. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 River Oaks Dr, Cold Spring, MN last sell?

109 River Oaks Dr, Cold Spring, MN last sold on Oct 24, 2017 for $160,000, according to the county's recorded deed.

How big is 109 River Oaks Dr, Cold Spring, MN?

109 River Oaks Dr, Cold Spring, MN has 4 bedrooms, 4 bathrooms, 2,112 square feet of living space and a 0.26-acre lot.

When was 109 River Oaks Dr, Cold Spring, MN built?

109 River Oaks Dr, Cold Spring, MN was built in 1990, making it 36 years old. The building has 2 stories.

How does 109 River Oaks Dr, Cold Spring, MN compare to other homes in Cold Spring 56320?

Among the 3,440 homes in Cold Spring 56320, it is worth more than 55% of them ($320,268 against a typical $303,592), its price per square foot is higher than 10% of them ($152 against a typical $217), it is bigger than 87% of them (2,112 ft² against a typical 1,410 ft²), its lot is bigger than 25% of them (0.26 ac against a typical 0.46 ac) and it is newer than 56% of them (1990 against a typical 1987). Measured against all of Stearns County, it is worth more than 71% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 River Oaks Dr, Cold Spring, MN?

The 2026 property tax bill for 109 River Oaks Dr, Cold Spring, MN was $5,062. The county assessed it at $425,600.

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