2186 Hwy 73, Cook, MN 55723 Property Records

St. Louis County property record for 2186 Hwy 73, Cook, MN 55723

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,632 sqft · built 1960
Lot Size	20 acres (873,814 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Jan 2017)
Tax Bill	$880 (2026)
Deeds & Mortgages	Apr 2020 Loan Modification Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`430-0010-00232`

Property Details

APN / Parcel Number

Primary APN	`430-0010-00232`
Alternative APN	`1023701`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,632 sqft Gross Area
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood
Construction Type	Frame
Lot Area	873,814 sqft (20 acres)
Garage Area	1,232 sqft

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	80 sqft
Storage Building	360 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1023701
Street Address	2186 HIGHWAY 73
City	COOK
State	MN
Zip	55723-8514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	NLY 165 FT OF W1/2 OF NW1/4 OF SW1/4 ANDW1/2 OF SW1/4 OF NW1/4 EX 2.35 AC FOR RD SERIAL #
Legal Range	20W
Legal Township	62N
Legal Section	02
Legal Subdivision	LINDEN GROVE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	LINDEN GROVE
Census Block Group	1
Census Block	1015
Census Tract	15100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2186 HIGHWAY 73, COOK, MN 55723-8514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2020	Loan Modification, Mortgage · Conventional with PMI SHELLPOINT MTG SVCNG
Jan 13, 2017	Warranty Deed, Transfer LEND SMART MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2017 · Amount on Record
Deed Sale	Jan 13, 2017 · Amount on Record
Prior Sale	May 7, 2013 · Amount on Record
Deed Document Number	20171302120
Record Updated	Sep 20, 2026

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	2186 HIGHWAY 73, COOK, MN 55723-8514
Document Number	00A1386229
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 HIGHWAY 73 COOK MN 557238514, COOK, MN 55723-8514

Mortgage

Document Number	00A1386229
Date	Jul 28, 2020
Instrument	A1386229

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

Interest

Rate	4.12%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 13, 2017
Property Address	2186 HIGHWAY 73, COOK, MN 55723-8514
Document Number	00A1302120
Instrument Date	Jan 6, 2017
Instrument	A1302120
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2186 HIGHWAY 73 COOK MN 557238514, COOK, MN 55723-8514

Mortgage

Document Number	A1302121,
Date	Jan 13, 2017
Instrument	A1302121

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2047

Mortgage

Document Number	A1302122,
Date	Jan 13, 2017
Instrument	A1302122

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	VIRGINIA, MN 55792

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$880.00 (+5.26%) Homeowner's exemption
2025	$836.00 (-30.22%) Homeowner's exemption	$176,200 (+13.02%) Land $38,000 Building $138,200	$176,200 (+13.02%) Land $38,000 Building $138,200
2024	$1,198.00	$155,900 (+2.16%) Land $37,600 Building $118,300	$155,900 (+2.16%) Land $37,600 Building $118,300
2022		$152,600 Land $33,800 Building $118,800	$152,600 Land $33,800 Building $118,800

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 61% of Minnesota
Wildfire Likelihood	0.04% 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

Cell Coverage

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

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