St. Louis County property record for 4012 Kennedy Rd, Cook, MN 55723
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2.25 ba · 3,224 sqft · built 2021 |
| Lot Size | 2.2 acres (95,832 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,732 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 250-0030-03424 |
| Primary APN | 250-0030-03424 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,224 sqft Gross Area |
| 1st Floor Area | 2,074 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Frame |
| Lot Area | 95,832 sqft (2.2 acres) |
| Garage Area | 780 sqft |
| Porch | Slab |
| Patio Area | 496 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 733800 |
|---|---|
| Street Address | 4012 KENNEDY RD |
| City | COOK |
| State | MN |
| Zip | 55723 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | RES |
| Legal Description | PART OF LOT 5 BEG 333 FT S OF NE CORNERTHENCE W 478.70 FT THENCE S 71 DEG 59MIN 35 SEC W 49.11 FT THENCE 3 FT DUE WTO |
| Legal Range | 18W |
| Legal Township | 64N |
| Legal Section | 22 |
| Legal Subdivision | BEATTY TOWN OF |
| Legal Lot Number | 5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | BEATTY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 15501 |
4012 Kennedy Rd, a residential property, is owned by an individual.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 18493 POLK CIR NW, ELK RIVER, MN 55330-2539 |
| 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.
| Date | Document |
|---|---|
| Apr 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage DRAKE BANK |
| Sep 30, 2020 | Deed of Trust, Construction Loan · Line of Credit DRAKE BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4012 KENNEDY RD, COOK, MN 55723-8860 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001441639 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 1441639 |
| Name | DRAKE BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 30, 2020 |
| Property Address | 4012 KENNEDY RD, COOK, MN 55723-8860 |
| Document Number | 00A1391699 |
| Instrument Date | Sep 25, 2020 |
| Instrument | A1391699 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Document Number | 00A1391699 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | A1391699 |
| Name | DRAKE BK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 29, 2021 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 4012 Kennedy Rd was $4,732, up 4.1% 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 | Beatty Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,732.00 (+4.14%) | ||
| 2025 | $4,544.00 (+30.13%) | $572,400 (+23.42%) Land $98,400 Building $474,000 | $572,400 (+23.42%) Land $98,400 Building $474,000 |
| 2024 | $3,492.00 | $463,800 Land $86,300 Building $377,500 | $463,800 Land $86,300 Building $377,500 |
| 2022 | $287,300 Land $73,300 Building $214,000 | $287,300 Land $73,300 Building $214,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4012 Kennedy Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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 | 6 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Apr 2022 · rainfall accumulation |
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 risk around 4012 Kennedy Rd is moderate, ranking above 67% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 87% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 60 / 5 |
4G LTE (outdoors only), no 5G reported
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