5099 E Comstock Lake Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 5099 E Comstock Lake Rd, Cotton, MN 55724

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	1 bd · 1 ba · 1,260 sqft · built 1950
Lot Size	0.923 acres (40,232 sqft)
Owner	Individual Name on File
Last Sale	$99,000 (Aug 2018)
Tax Bill	$2,702 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`662-0020-00050`

Property Details

APN / Parcel Number

Primary APN	`662-0020-00050`
Alternative APN	`1048585`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,260 sqft Gross Area
1st Floor Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1988
Architectural Style	Rustic
Exterior Material	Metal
Construction Type	Frame
Lot Area	40,232 sqft (0.923 acres)
Garage Area	1,008 sqft
Deck Area	48 sqft
Storage Building	45 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1048585
Street Address	5099 E COMSTOCK LAKE RD
City	COTTON
State	MN
Zip	55724-8243
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	SMU
Legal Description	LOT: 0005 SERIAL #
Legal Subdivision	VESSELS OF COMSTOCK LAKE 55 15
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	WHITEFACE RESERVOIR
Census Block Group	2
Census Block	2078
Census Tract	11402

Owner

5099 E Comstock Lake Rd, a residential property, is owned and occupied by an individual who bought it in August 2018.

Source: St. Louis County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	139 LAKEWOOD RD, DULUTH, MN 55804-2814
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Line of Credit NORTHVIEW BANK
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHVIEW BK
Aug 21, 2018	Warranty Deed, Transfer · Conventional Mortgage NORTHVIEW BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2018 · Amount on File
Deed Sale	Aug 21, 2018 · Amount on File
Prior Sale	Sep 24, 2005 · Amount on File
Deed Document Number	20181001748
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5099 E COMSTOCK LAKE RD, COTTON, MN 55724-8243
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001094068
Date	Sep 11, 2025
Instrument	1094068

Lender

Name	NORTHVIEW BANK
Type	Bank
Address	BARNUM, MN 55707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5099 E COMSTOCK LAKE RD, COTTON, MN 55724
Document Number	00T1030543
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	CARLTON COUNTY ABSTRACT, CARLTON CNTY ABS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5099 COMSTOCK LAKE RD COTTON MN 557248212, COTTON, MN 55724-8212

Mortgage

Document Number	00T1030543
Date	Oct 15, 2020
Instrument	T1030543

Lender

Name	NORTHVIEW BK
Type	Bank
Address	FINLAYSON, MN 55735

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 14, 2035

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 21, 2018
Property Address	5099 E COMSTOCK LAKE RD, COTTON, MN 55724
Document Number	00A1001748
Instrument Date	Aug 14, 2018
Instrument	A1001748
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$326.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	139 LAKEWOOD RD DULUTH MN 558042814, DULUTH, MN 55804-2814

Mortgage

Document Number	T1001749
Date	Aug 21, 2018
Instrument	T1001749

Lender

Name	NORTHVIEW BK
Type	Bank
Address	BARNUM, MN 55707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 20, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5099 E Comstock Lake Rd was $2,702 with a homeowner's exemption, 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	$2,702.00 (+17.27%) Homeowner's exemption
2025	$2,304.00 (+64.81%) Homeowner's exemption	$446,000 (+59.91%) Land $72,400 Building $373,600	$446,000 (+59.91%) Land $72,400 Building $373,600
2024	$1,398.00	$278,900 Land $51,600 Building $227,300	$278,900 Land $51,600 Building $227,300
2022		$114,100 Land $59,000 Building $55,100	$114,100 Land $59,000 Building $55,100

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

Flood

FEMA maps place 5099 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 5099 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 only, no 5G reported

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