402 3rd Ave SE, Cook, MN 55723 Property Records

St. Louis County property record for 402 3rd Ave SE, Cook, MN 55723

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,470 sqft
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Jul 2008)
Tax Bill	$1,454 (2026)
Deeds & Mortgages	Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120-0040-00390`

Property Details

APN / Parcel Number

Primary APN	`120-0040-00390`
Alternative APN	`869305`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,470 sqft Gross Area
1st Floor Area	1,065 sqft
Basement Area	168 sqft
Finished Basement	168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Wood
Construction Type	Frame
Lot Area	24,394 sqft (0.56 acres)
Garage Area	336 sqft
Deck Area	20 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	869305
Street Address	402 3RD AVE SE
City	COOK
State	MN
Zip	55723-9726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF NW1/4 OF SE1/4 COMM AT SE COR OFNW1/4 OF SE1/4 THENCE S89DEG49'39"W ALONG SLINE 486.50 FT THENCE N00DEG10'21"W
Legal Range	18W
Legal Township	62N
Legal Section	18
Legal Subdivision	COOK LANDS IN THE CITY T 62 R
Jurisdiction	ST LOUIS MN
Township / Civil Division	COOK
Census Block Group	4
Census Block	4036
Census Tract	15200

Owner

402 3rd Ave SE is owned and occupied by an individual who bought it in July 2008.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	402 3RD AVE SE, COOK, MN 55723-9726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2008 · Amount on File
Deed Sale	Jul 17, 2008 · Amount on File
Deed Document Number	20081086107
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	402 3RD AVE SE, COOK, MN 55723-9726
Document Number	00A1339506
Instrument Date	Aug 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 17, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	402 3RD AVE SE COOK MN 557239726, COOK, MN 55723-9726

Mortgage

Document Number	00A1339506
Date	Aug 28, 2018
Instrument	A1339506

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2048

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	$1,454.00 (+18.6%) Homeowner's exemption
2025	$1,226.00 (-23.28%) Homeowner's exemption	$126,300 (+8.97%) Land $13,200 Building $113,100	$126,300 (+8.97%) Land $13,200 Building $113,100
2024	$1,598.00	$115,900 (+19.86%) Land $9,500 Building $106,400	$115,900 (+19.86%) Land $9,500 Building $106,400
2022		$96,700 Land $7,900 Building $88,800	$96,700 Land $7,900 Building $88,800

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

Flood

FEMA maps place 402 3rd Ave SE in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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

Wildfire risk around 402 3rd Ave SE is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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.

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 36 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