5942 Elde Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 5942 Elde Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.75 ba · 1,446 sqft
Lot Size	7.37 acres (321,037 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Nov 2022)
Tax Bill	$7,750 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`305-0010-01981`

Property Details

APN / Parcel Number

Primary APN	`305-0010-01981`
Alternative APNs	`1097435` `1139637`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,446 sqft Gross Area
1st Floor Area	598 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	321,037 sqft (7.37 acres)
Garage Area	936 sqft

Exterior Amenities

Porch	Slab
Deck Area	222 sqft
Pole Barn	1,440 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1139637
Street Address	5942 ELDE RD
City	COTTON
State	MN
Zip	55724-8108
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	THAT PART OF GOVT LOT 1 COMM AT NE COR OF LOT4 OF STEWARTS ADDITION THENCE N54DEG10'21"EALONG NELY EXTENSION OF NLY LINE OF
Legal Range	16W
Legal Township	54N
Legal Section	12
Legal Subdivision	COTTON TOWN OF
Legal Lot Number	1,4
Jurisdiction	ST LOUIS MN
Township / Civil Division	COTTON
Census Block Group	1
Census Block	1057
Census Tract	11402

Owner

5942 Elde Rd, a residential property, is owned by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	816 MELLWOOD AVE, DULUTH, MN 55804-1718
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
Nov 2, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Sep 1, 2020	Deed of Trust, Mortgage · Conventional with PMI NATIONAL BK/CMRC
Oct 7, 2020	Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/CMRC
Mar 29, 2017	Deed of Trust, Mortgage · Line of Credit PARK ST BK
Mar 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2022 · Amount on File
Deed Sale	Nov 2, 2022 · Amount on File
Prior Sale	Oct 7, 2020 · Amount on File
Deed Document Number	20221455634
Prior Transfer Date	Mar 22, 2017
Prior Transfer Doc	00A1306368
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 2, 2022
Property Address	5942 ELDE RD, COTTON, MN 55724-8108
Document Number	0001455634
Instrument Date	Oct 19, 2022
Instrument	1455634
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	STEWART TITLE, STEWART TTL GUARANTY CO REL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	816 MELLWOOD AVE, DULUTH, MN 55804-1718

Mortgage

Document Number	0001455635
Date	Nov 2, 2022
Instrument	1455635

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Max Rate	12.3%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5942 ELDE RD, COTTON, MN 55724-8108
Document Number	00A1392274
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5942 ELDE RD COTTON MN 557248108, COTTON, MN 55724-8108

Mortgage

Document Number	00A1392274
Date	Oct 7, 2020
Instrument	A1392274

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 7, 2020
Property Address	5942 ELDE RD, COTTON, MN 55724-8108
Document Number	00A1392273
Instrument Date	Sep 1, 2020
Instrument	A1392273
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,733.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4205 GACK DR HERMANTOWN MN 55811, HERMANTOWN, MN 55811

Mortgage

Document Number	A1392274
Date	Oct 7, 2020
Instrument	A1392274

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5942 ELDE RD, COTTON, MN 55724-8108
Document Number	00A1307330
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5942 ELDE RD COTTON MN 557248108, COTTON, MN 55724-8108

Mortgage

Document Number	00A1307330
Date	Apr 13, 2017
Instrument	A1307330

Lender

Name	PARK ST BK
Type	Bank
Address	DULUTH, MN 55806

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 12, 2032

Interest

Rate Type	Adjustable Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 27, 2017
Property Address	5942 ELDE RD, COTTON, MN 55724-8108
Document Number	00A1306368
Instrument Date	Mar 22, 2017
Instrument	A1306368
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5942 ELDE RD COTTON MN 557248108, COTTON, MN 55724-8108

Tax Assessment & Valuation

The 2026 property tax bill for 5942 Elde Rd was $7,750, up 3.9% 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
County Subdivision	Cotton Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,750.00 (+3.86%)
2025	$7,462.00 (+9.03%)	$703,600 (-) Land $91,900 Building $611,700	$703,600 (-) Land $91,900 Building $611,700
2024	$6,844.00	$703,600 Land $91,900 Building $611,700	$703,600 Land $91,900 Building $611,700
2022		$522,600 Land $145,000 Building $377,600	$522,600 Land $145,000 Building $377,600

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

Flood

FEMA maps place 5942 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 5942 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 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

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

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