St. Louis County property record for 5095 E Comstock Lake Rd, Cotton, MN 55724
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1970 |
| Lot Size | 0.883 acres (38,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Sep 2025) |
| Tax Bill | $2,104 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 662-0020-00060 |
| Primary APN | 662-0020-00060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 896 sqft Gross Area |
| 1st Floor Area | 896 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 38,504 sqft (0.883 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 200 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Heating Fuel | Oil |
|---|
| Account Number | 1187971 |
|---|---|
| Street Address | 5095 E COMSTOCK LAKE RD |
| City | COTTON |
| State | MN |
| Zip | 55724-8243 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | SMU |
| Legal Description | LOT: 0006 SERIAL # |
| Legal Subdivision | VESSELS OF COMSTOCK LAKE 55 15 |
| Legal Lot Number | 6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 11402 |
5095 E Comstock Lake Rd, a residential property, is owned by two individuals who bought it in September 2025.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3857 STEBNER RD, HERMANTOWN, MN 55811-1733 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on File |
| Deed Sale | Sep 15, 2025 · Amount on File |
| Prior Sale | May 21, 2004 · Amount on File |
| Deed Document Number | 20251094166 |
| Prior Transfer Date | May 25, 2022 |
| Prior Transfer Doc | 0001056993 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 5095 E Comstock Lake Rd was $2,104, up 12.2% 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 | $2,104.00 (+12.15%) | ||
| 2025 | $1,876.00 (+9.58%) | $218,000 (+26.01%) Land $63,900 Building $154,100 | $218,000 (+26.01%) Land $63,900 Building $154,100 |
| 2024 | $1,712.00 | $173,000 Land $47,300 Building $125,700 | $173,000 Land $47,300 Building $125,700 |
| 2022 | $137,700 Land $54,700 Building $83,000 | $137,700 Land $54,700 Building $83,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5095 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 5095 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 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
4G LTE (outdoors only), no 5G reported
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