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5930 Elde Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 5930 Elde Rd, Cotton, MN 55724

Property Summary

Property TypeSeasonal / Vacation Home
Details2 bd · 1 ba · 782 sqft
Lot Size3.56 acres (155,074 sqft)
Owner2 Trust Names on File
Last Sale$267,000 (Sep 2020)
Tax Bill$2,510 (2026)
Deeds & MortgagesDec 2021 Transfer
Sep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN305-0010-01985

Property Details

APN / Parcel Number

Primary APN305-0010-01985
Alternative APN
  • 1123418

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms2 Rooms
Stories1 Story
Building Area782 sqft Gross Area
1st Floor Area782 sqft

Exterior

Architectural StyleA-Frame
Exterior MaterialWood
Construction TypeFrame
Lot Area155,074 sqft (3.56 acres)
Garage Area1,232 sqft

Exterior Amenities

Deck Area151 sqft
Cabin144 sqft
Storage Building120 sqft
SaunaSauna
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account Number1123418
Street Address5930 ELDE RD
CityCOTTON
StateMN
Zip55724
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Local Zoning CodeSMU
Legal DescriptionPART OF GOVT LOT 1 COMM AT NE COR OF LOT 4 OFSUBDIVISION OF STEWARTS ADDITION THENCEN54DEG10'21"E ALONG NELY EXTENSION OF
Legal Range16W
Legal Township54N
Legal Section12
Legal SubdivisionCOTTON TOWN OF
Legal Lot Number1,4
JurisdictionST LOUIS MN
Township / Civil DivisionCOTTON
Census Block Group1
Census Block1057
Census Tract11402

Owner

5930 Elde Rd, a residential property, is held in a trust since December 2021.

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

Owner of Record2 Trust Names on File
Mailing Address4420 COLD CREEK LN, HERMANTOWN, MN 55811-2934
Owner TypeCompany
VestingTrust

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

DateDocument
Dec 22, 2021Intrafamily Transfer, Transfer
Sep 30, 2020Grant Deed, Transfer · Conventional Mortgage
MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 30, 2020 · Amount on File
Deed SaleSep 30, 2020 · Amount on File
Prior SaleJan 13, 2004 · Amount on File
Deed Document Number20201391685
Last Transfer DateDec 10, 2021
Transfer Doc0001433339
Record UpdatedSep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST LOUIS MN
Recording DateDec 22, 2021
Property Address5930 ELDE RD, COTTON, MN 55724
Document Number0001433339
Instrument DateDec 1, 2021
Instrument1433339
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4420 COLD CREEK LN, HERMANTOWN, MN 55811-2934

September 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST LOUIS MN
Recording DateSep 30, 2020
Property Address5930 ELDE RD, COTTON, MN 55724
Document Number00A1391685
Instrument DateSep 8, 2020
InstrumentA1391685
Transaction TypeTransfer
Record UpdatedOct 15, 2020
Title CompanyNST TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$881.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5930 ELDE RD COTTON MN 55724, COTTON, MN 55724

Mortgage

Document NumberA1391687
DateSep 30, 2020
InstrumentA1391687
Lender
NameMEMBERS COOPERATIVE CU
TypeCredit Union
AddressDULUTH, MN 55816
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 29, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 5930 Elde Rd was $2,510, up 3.9% from the year before.

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

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
County SubdivisionCotton Township
Unified School DistrictSt. Louis County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,510.00 (+3.89%)
2025$2,416.00 (+6.06%)$241,500 (-) Land $65,300 Building $176,200$241,500 (-) Land $65,300 Building $176,200
2024$2,278.00$241,500 Land $65,300 Building $176,200$241,500 Land $65,300 Building $176,200
2022$215,100 Land $69,700 Building $145,400$215,100 Land $69,700 Building $145,400

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

Flood

FEMA maps place 5930 Elde Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5930 Elde 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 RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 38 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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