St. Louis County property record for 5271 Setterlund Dr, Cotton, MN 55724
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 1 ba · 1,512 sqft · built 2020 |
| Lot Size | 1.88 acres (82,020 sqft) |
| Owner | Individual Name on File |
| Last Sale | $40,000 (Oct 2019) |
| Tax Bill | $2,788 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 662-0022-00020 |
| Primary APN | 662-0022-00020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Gross Area |
| 1st Floor Area | 896 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Rustic |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 82,020 sqft (1.88 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 60 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Heating Fuel | Propane |
|---|
| Account Number | 1039251 |
|---|---|
| Street Address | 5271 SETTERLUND DR |
| City | COTTON |
| State | MN |
| Zip | 55724 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | LOT 2 BLOCK 1 SERIAL # |
| Legal Subdivision | URBANNOT ST |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 11402 |
5271 Setterlund Dr, a residential property, is owned by an individual who acquired it in November 2019.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7112 COMSTOCK LAKE RD, COTTON, MN 55724-8143 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2019 · Amount on File |
| Deed Sale | Oct 2, 2019 · Amount on File |
| Deed Document Number | 20191364603 |
| Last Transfer Date | Nov 13, 2019 |
| Transfer Doc | 0001367532 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5271 SETTERLUND DR, COTTON, MN 55724 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7112 COMSTOCK LAKE RD, COTTON, MN 55724-8143 |
| Document Number | 0001447035 |
|---|---|
| Date | Jul 8, 2022 |
| Instrument | 1447035 |
| Name | NORTHERN COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 7, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 5271 Setterlund Dr was $2,788, up 12.8% 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 | $2,788.00 (+12.78%) | ||
| 2025 | $2,472.00 (+10.06%) | $352,200 (+5%) Land $93,600 Building $258,600 | $352,200 (+5%) Land $93,600 Building $258,600 |
| 2024 | $2,246.00 | $234,800 Land $52,600 Building $182,200 | $234,800 Land $52,600 Building $182,200 |
| 2022 | $180,000 Land $59,400 Building $120,600 | $180,000 Land $59,400 Building $120,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5271 Setterlund Dr 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 5271 Setterlund Dr 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.
Source: FCC Broadband Data Collection, based on 3 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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