1405 Eagle Point Dr, Cotton, MN 55724 Property Records

St. Louis County property record for 1405 Eagle Point Dr, Cotton, MN 55724

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	3 bd · 1 ba · 960 sqft · built 1962
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$2,690 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Aug 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`320-0010-04802`

Property Details

APN / Parcel Number

Primary APN	`320-0010-04802`
Alternative APN	`1104089`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	960 sqft
Basement Area	850 sqft
Finished Basement	850 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Rustic
Exterior Material	Combination
Construction Type	Frame
Lot Area	43,560 sqft (1 acres)
Garage Area	672 sqft
Deck Area	384 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1104089
Street Address	1405 EAGLE POINT DR
City	COTTON
State	MN
Zip	55724-2001
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	SMU
Legal Description	LOT 10 LYING N OF E AND W 1/4 LINE SERIAL #
Legal Range	16W
Legal Township	55N
Legal Section	29
Legal Subdivision	ELLSBURG TOWN OF
Legal Lot Number	10
Jurisdiction	ST LOUIS MN
Township / Civil Division	ELLSBURG
Census Block Group	2
Census Block	2080
Census Tract	11402

Owner

1405 Eagle Point Dr, a residential property, is owned and occupied by an individual who acquired it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1405 EAGLE POINT DR, COTTON, MN 55724-2001
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
Jun 28, 2022	Deed of Trust, Mortgage · Closed-End Mortgage HARBOR POINTE CU
Aug 5, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 22, 2020
Transfer Doc	0001387108
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1405 EAGLE POINT DR, COTTON, MN 55724-2001
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 EAGLE POINT DR, COTTON, MN 55724-2001

Mortgage

Document Number	0001446255
Date	Jun 28, 2022
Instrument	1446255

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 17, 2032

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 5, 2020
Property Address	1405 EAGLE POINT DR, COTTON, MN 55724-2001
Document Number	00A1387108
Instrument Date	Jul 22, 2020
Instrument	A1387108
Transaction Type	Transfer
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14 TIMBERLINE DR ESKO MN 557339500, ESKO, MN 55733-9500

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 5, 2020
Property Address	1405 EAGLE POINT DR, COTTON, MN 55724-2001
Document Number	00A1387109
Instrument Date	Jul 22, 2020
Instrument	A1387109
Transaction Type	Transfer
Record Updated	Sep 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1021 N 11TH AVE E DULUTH MN 558051563, DULUTH, MN 55805-1563

Tax Assessment & Valuation

The 2026 property tax bill for 1405 Eagle Point Dr was $2,690 with a homeowner's exemption, up 15.7% 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	$2,690.00 (+15.75%) Homeowner's exemption
2025	$2,324.00 (-4.75%) Homeowner's exemption	$340,400 (+9.59%) Land $60,000 Building $280,400	$340,400 (+9.59%) Land $60,000 Building $280,400
2024	$2,440.00	$310,600 Land $55,200 Building $255,400	$310,600 Land $55,200 Building $255,400
2022		$143,700 Land $74,000 Building $69,700	$143,700 Land $74,000 Building $69,700

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

Flood

FEMA maps place 1405 Eagle Point Dr 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 March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 1405 Eagle Point 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 94% of the US · lower than 82% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Arvig DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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