228 3rd St SE, Cook, MN 55723 Property Records

St. Louis County property record for 228 3rd St SE, Cook, MN 55723

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 2006
Lot Size	0.232 acres (10,123 sqft)
Owner	Individual Name on Record
Last Sale	$151,000 (Jun 2026)
Tax Bill	$1,380 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120-0037-00081`

Property Details

APN / Parcel Number

Primary APN	`120-0037-00081`
Alternative APNs	`1016440` `1166146`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,092 sqft Gross Area
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,123 sqft (0.232 acres)

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1166146
Street Address	228 3RD ST SE
City	COOK
State	MN
Zip	55723-8234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 AND N1/2 OF LOT 10 SERIAL #
Legal Subdivision	LOBES ADD TO COOK
Legal Lot Number	9-10
Jurisdiction	ST LOUIS MN
Township / Civil Division	COOK
Census Block Group	4
Census Block	4059
Census Tract	15200

Owner

Source: St. Louis County records, as of August 19, 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	228 3RD ST SE, COOK, MN 55723-8234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	May 17, 2024 · Amount on Record
Deed Document Number	20261534902
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 25, 2026
Property Address	228 3RD ST SE, COOK, MN 55723-8234
Document Number	0001534902
Instrument Date	Jun 4, 2026
Instrument	20261534902
Transaction Type	Transfer
Record Updated	Aug 19, 2026
Title Company	CONCIERGE TITLE INC, CONCIERGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50,328.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 3RD ST SE, COOK, MN 55723-8234

Mortgage

Document Number	0001534902,
Date	Jun 25, 2026
Instrument	20261534902

Lender

Name	NORTHSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Cook City
County	St. Louis County
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,380.00 (+23.66%) Homeowner's exemption
2025	$1,116.00 (-25.5%) Homeowner's exemption	$133,000 (+19.82%) Land $10,500 Building $122,500	$133,000 (+19.82%) Land $10,500 Building $122,500
2024	$1,498.00	$111,000 (+2%) Land $7,500 Building $103,500	$111,000 (+2%) Land $7,500 Building $103,500
2022		$92,500 Land $6,300 Building $86,200	$92,500 Land $6,300 Building $86,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	7 (1979–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jun 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2024 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Cook serves 574 people · EPA ID MN1690009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.87 mg/L (2023–2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Paul Bunyan Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CTC.

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