St. Louis County property record for 5053 E Comstock Lake Rd, Cotton, MN 55724
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1999 |
| Lot Size | 0.774 acres (33,732 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,172 (2026) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 662-0020-00170 |
| Primary APN | 662-0020-00170 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Gross Area |
| 1st Floor Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 33,732 sqft (0.774 acres) |
| Deck Area | 72 sqft |
|---|---|
| Cabin | 448 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Heating Fuel | Gas |
|---|
| Account Number | 60098 |
|---|---|
| Street Address | 5053 E COMSTOCK LAKE RD |
| City | COTTON |
| State | MN |
| Zip | 55724 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | SMU |
| Legal Description | LOT: 0017 SERIAL # |
| Legal Subdivision | VESSELS OF COMSTOCK LAKE 55 15 |
| Legal Lot Number | 17 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 11402 |
5053 E Comstock Lake Rd, a residential property, is held in a trust since June 2024.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4926 MARTIN RD, DULUTH, MN 55803-9713 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 4, 2024 |
| Transfer Doc | 0001489995 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5053 E COMSTOCK LAKE RD, COTTON, MN 55724 |
| Document Number | 00T1023962 |
| Instrument Date | May 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | STATE LOUIS COUNTY TITLE COMPANY, ST LOUIS CNTY TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5053 COMSTOCK LAKE RD COTTON MN 55724, COTTON, MN 55724 |
| Document Number | 00T1023962 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | T1023962 |
| Name | NATIONAL BK/CMRC |
|---|---|
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2035 |
The 2026 property tax bill for 5053 E Comstock Lake Rd was $2,172, up 12% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Unified School District | Mesabi East School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,172.00 (+11.96%) | ||
| 2025 | $1,940.00 (+9.23%) | $233,300 (+30.26%) Land $66,100 Building $167,200 | $233,300 (+30.26%) Land $66,100 Building $167,200 |
| 2024 | $1,776.00 | $179,100 Land $51,200 Building $127,900 | $179,100 Land $51,200 Building $127,900 |
| 2022 | $142,900 Land $58,500 Building $84,400 | $142,900 Land $58,500 Building $84,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5053 E Comstock Lake Rd in Zone X, an area of minimal flood risk.
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 risk around 5053 E Comstock Lake Rd 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 80% 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Arvig DSL | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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