St. Louis County property record for 1231 Pearson Dr, Cotton, MN 55724
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,440 sqft · built 1990 |
| Lot Size | 37 acres (1,613,898 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,652 (2026) |
| Deeds & Mortgages | Feb 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 320-0010-05700 |
| Primary APN | 320-0010-05700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Gross Area |
| 1st Floor Area | 1,296 sqft |
| Basement Area | 1,152 sqft |
| Finished Basement | 1,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Construction Type | Log |
| Lot Area | 1,613,898 sqft (37 acres) |
| Garage Area | 1,356 sqft |
| Deck Area | 35 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1194418 |
|---|---|
| Street Address | 1231 PEARSON DR |
| City | COTTON |
| State | MN |
| Zip | 55724-8400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SMU |
| Legal Description | LOT 8 EX THAT PART OF THE FOLLOWINGDESCRIPTION COMM AT E 1/4 COR OF SEC 35THENCE N89DEG57'04"W 1320.04 FT TO PT OFBEG THENCE |
| Legal Range | 16W |
| Legal Township | 55N |
| Legal Section | 35 |
| Legal Subdivision | ELLSBURG TOWN OF |
| Legal Lot Number | 8 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | ELLSBURG |
| Census Block Group | 2 |
| Census Block | 2080 |
| Census Tract | 11402 |
1231 Pearson Dr is owned and occupied by two individuals.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1231 PEARSON DR, COTTON, MN 55724-8400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 4, 2026 |
| Property Address | 1231 PEARSON DR, COTTON, MN 55724-8400 |
| Document Number | 0001527489 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 1527489 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2026 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount on Record |
|---|---|
| Tax | $2,433.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1231 PEARSON DR, COTTON, MN 55724-8400 |
The 2026 property tax bill for 1231 Pearson Dr was $5,652 with a homeowner's exemption, up 15.4% 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 | $5,652.00 (+15.44%) Homeowner's exemption | ||
| 2025 | $4,896.00 (+2.34%) Homeowner's exemption | $622,800 (+9.76%) Land $162,500 Building $460,300 | $622,800 (+9.76%) Land $162,500 Building $460,300 |
| 2024 | $4,784.00 | $567,400 Land $148,200 Building $419,200 | $567,400 Land $148,200 Building $419,200 |
| 2022 | $456,700 Land $170,800 Building $285,900 | $456,700 Land $170,800 Building $285,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1231 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 1231 Pearson Dr 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.
Source: FCC Broadband Data Collection, as of December 31, 2025
4G LTE (outdoors only), no 5G reported
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