5077 E Comstock Lake Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 5077 E Comstock Lake Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 672 sqft · built 1950
Lot Size	0.851 acres (37,068 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Oct 2025)
Tax Bill	$1,490 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`662-0020-00110`

Property Details

APN / Parcel Number

Primary APN	`662-0020-00110`
Alternative APNs	`1188882` `1165152` `909980`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	672 sqft Gross Area
1st Floor Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1968
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	37,068 sqft (0.851 acres)
Garage Area	260 sqft

Exterior Amenities

Porch	Porch
Porch Area	99 sqft
Deck Area	104 sqft
Lean-To	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	1188882
Street Address	5077 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: 0011 SERIAL #
Legal Subdivision	VESSELS PLAT OF COMSTOCK LAKE
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	WHITEFACE RESERVOIR
Census Block Group	2
Census Block	2078
Census Tract	11402

Owner

5077 E Comstock Lake Rd, a residential property, is owned by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	533 IRONWOOD DR, DELANO, MN 55328-9403
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Warranty Deed, Transfer · Commercial Mortgage NORTHVIEW BANK
Sep 15, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on File
Deed Sale	Oct 3, 2025 · Amount on File
Deed Document Number	20251094839
Prior Transfer Date	Dec 14, 2010
Prior Transfer Doc	0000893954
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 3, 2025
Property Address	5077 E COMSTOCK LAKE RD, COTTON, MN 55724
Document Number	0001094839
Instrument Date	Sep 30, 2025
Instrument	1094839
Transaction Type	Transfer
Record Updated	Oct 24, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$940.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	533 IRONWOOD DR, DELANO, MN 55328-9403

Mortgage

Document Number	0001094840
Date	Oct 3, 2025
Instrument	1094840

Lender

Name	NORTHVIEW BANK
Type	Bank
Address	WILLOW RIVER, MN 55795

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 30, 2030

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Sep 15, 2025
Property Address	5077 E COMSTOCK LAKE RD, COTTON, MN 55724
Document Number	0001094163
Instrument Date	Sep 12, 2025
Instrument	1094163
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 MAPLE DR, AURORA, MN 55705-1219

Tax Assessment & Valuation

The 2026 property tax bill for 5077 E Comstock Lake Rd was $1,490, up 17.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Unified School District	Mesabi East School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,490.00 (+17.32%)
2025	$1,270.00 (+9.11%)	$167,900 (+38.08%) Land $63,100 Building $104,800	$167,900 (+38.08%) Land $63,100 Building $104,800
2024	$1,164.00	$121,600 Land $48,900 Building $72,700	$121,600 Land $48,900 Building $72,700
2022		$104,200 Land $56,200 Building $48,000	$104,200 Land $56,200 Building $48,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5077 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

Wildfire risk around 5077 E Comstock Lake Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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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