1263 Pearson Dr, Cotton, MN 55724 Property Records

St. Louis County property record for 1263 Pearson Dr, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.5 ba · 1,532 sqft · built 2005
Lot Size	1.22 acres (53,143 sqft)
Owner	Individual Name on File
Tax Bill	$5,730 (2026)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`320-0010-05694`

Property Details

APN / Parcel Number

Primary APN	`320-0010-05694`
Alternative APN	`891036`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,532 sqft Gross Area
1st Floor Area	1,120 sqft
Basement Area	965 sqft
Finished Basement	965 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Lot Area	53,143 sqft (1.22 acres)
Garage Area	2,340 sqft

Exterior Amenities

Porch	Patio
Porch Area	354 sqft
Deck Area	312 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	891036
Street Address	1263 PEARSON DR
City	COTTON
State	MN
Zip	55724
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	THAT PART OF THE ELY 150 FT OF G.L.2 WHICHLIES SLY OF THE FOLLOWING DESCRIBED LINE COMMAT NE COR OF G.L.2 THENCE
Legal Range	16W
Legal Township	55N
Legal Section	35
Legal Subdivision	ELLSBURG TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	ELLSBURG
Census Block Group	2
Census Block	2080
Census Tract	11402

Owner

1263 Pearson Dr, a residential property, is owned by an individual who acquired it in March 2005.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	4745 LARSON RD, SAINT PAUL, MN 55126-5845
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 14, 2005
Transfer Doc	0000977107
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1263 PEARSON DR, COTTON, MN 55724
Document Number	00A1319876
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4745 LARSON RD SHOREVIEW MN 551265845, SHOREVIEW, MN 55126-5845

Mortgage

Document Number	00A1319876
Date	Oct 13, 2017
Instrument	A1319876

Lender

Name	BREMER BK
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1263 Pearson Dr was $5,730, up 14.5% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Ellsburg Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,730.00 (+14.51%)
2025	$5,004.00 (+8.36%)	$562,000 (+9.68%) Land $74,300 Building $487,700	$562,000 (+9.68%) Land $74,300 Building $487,700
2024	$4,618.00	$512,400 Land $68,200 Building $444,200	$512,400 Land $68,200 Building $444,200
2022		$381,900 Land $93,000 Building $288,900	$381,900 Land $93,000 Building $288,900

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

Flood

FEMA maps place 1263 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

Wildfire risk around 1263 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 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Pearson Dr

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All Cotton, MN Property Records

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