St. Louis County property record for 1189 Pearson Dr, Cotton, MN 55724
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 1,883 sqft · built 2012 |
| Lot Size | 2.76 acres (120,226 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Aug 2007) |
| Tax Bill | $3,564 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 320-0010-05790 |
| Primary APN | 320-0010-05790 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,883 sqft Gross Area |
| 1st Floor Area | 1,107 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 120,226 sqft (2.76 acres) |
| Garage Area | 1,053 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 128 sqft |
| Deck Area | 32 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1010846 |
|---|---|
| Street Address | 1189 PEARSON DR |
| City | COTTON |
| State | MN |
| Zip | 55724-8401 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | SMU |
| Legal Description | THAT PART OF LOT 7 COMM AT SE COR OF LOT 7THENCE N00DEG16'12"W ALONG E LINE OF LOT 7800 FT TO N LINE OF S 800 FT THENCE |
| Legal Range | 16W |
| Legal Township | 55N |
| Legal Section | 35 |
| Legal Subdivision | ELLSBURG TOWN OF |
| Legal Lot Number | 7800,7T |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | ELLSBURG |
| Census Block Group | 2 |
| Census Block | 2080 |
| Census Tract | 11402 |
1189 Pearson Dr, a residential property, is owned by an individual who acquired it in June 2008.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 325 S LAKE AVE, 609, DULUTH, MN 55802-2384 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2007 · Amount on File |
| Deed Sale | Aug 24, 2007 · Amount on File |
| Deed Document Number | 20071060860 |
| Last Transfer Date | Jun 4, 2008 |
| Transfer Doc | 0001082450 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1189 PEARSON DR, COTTON, MN 55724-8401 |
| Document Number | 00A1389687 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2020 |
| Title Company | STATE TITLE LLC, ST TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1189 PEARSON DR COTTON MN 557248401, COTTON, MN 55724-8401 |
| Document Number | 00A1389687 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | A1389687 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | NEW ULM, MN 56073 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 7, 2035 |
The 2026 property tax bill for 1189 Pearson Dr was $3,564, up 8.4% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Ellsburg Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,564.00 (+8.39%) | ||
| 2025 | $3,288.00 (+6.61%) | $405,700 (+20.28%) Land $102,000 Building $303,700 | $405,700 (+20.28%) Land $102,000 Building $303,700 |
| 2024 | $3,084.00 | $337,300 Land $93,400 Building $243,900 | $337,300 Land $93,400 Building $243,900 |
| 2022 | $268,200 Land $130,100 Building $138,100 | $268,200 Land $130,100 Building $138,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1189 Pearson Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1189 Pearson Dr is low, with less than 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 93% of the US · lower than 78% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Arvig DSL | 25 / 3 |
5G and 4G LTE (outdoors only)
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