St. Louis County property record for 5285 Setterlund Dr, Cotton, MN 55724
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 782 sqft · built 1995 |
| Lot Size | 1.36 acres (59,527 sqft) |
| Owner | Individual Name on File |
| Last Sale | $40,000 (Oct 2019) |
| Tax Bill | $2,078 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 662-0022-00060 |
| Primary APN | 662-0022-00060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 782 sqft Gross Area |
| 1st Floor Area | 782 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 59,527 sqft |
| Porch | Patio |
|---|---|
| Porch Area | 135 sqft |
| Deck Area | 24 sqft |
| Storage Building | 292 sqft |
| Sauna | Sauna |
| Heating Fuel | Propane |
|---|
| Account Number | 69582 |
|---|---|
| Street Address | 5285 SETTERLUND DR |
| City | COTTON |
| State | MN |
| Zip | 55724 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | LOT 6 BLOCK 1 SERIAL # |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 11402 |
5285 Setterlund Dr, a residential property, is owned by an individual who bought it in October 2019.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 307 90TH AVE W, DULUTH, MN 55808-1212 |
| 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 | 20191364604 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 5285 Setterlund Dr was $2,078, up 12.1% 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 | $2,078.00 (+12.08%) | ||
| 2025 | $1,854.00 (+9.32%) | $221,600 (+29.67%) Land $81,700 Building $139,900 | $221,600 (+29.67%) Land $81,700 Building $139,900 |
| 2024 | $1,696.00 | $170,900 Land $51,500 Building $119,400 | $170,900 Land $51,500 Building $119,400 |
| 2022 | $138,200 Land $59,400 Building $78,800 | $138,200 Land $59,400 Building $78,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5285 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 5285 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
4G LTE only, no 5G reported
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