5944 Elde Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 5944 Elde Rd, Cotton, MN 55724

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	3 bd · 3 ba · 2,036 sqft · built 2008
Lot Size	2.77 acres (120,661 sqft)
Owner	2 Individual Names on File
Last Sale	$790,000 (Sep 2025)
Tax Bill	$6,876 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`305-0010-01984`

Property Details

APN / Parcel Number

Primary APN	`305-0010-01984`
Alternative APNs	`1081144` `1187594`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,036 sqft Gross Area
1st Floor Area	2,036 sqft
Basement Area	1,628 sqft
Finished Basement	1,628 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	120,661 sqft (2.77 acres)
Garage Area	3,000 sqft

Exterior Amenities

Porch	Patio
Porch Area	448 sqft
Deck Area	70 sqft
Patio Area	556 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1187594
Street Address	5944 ELDE RD
City	COTTON
State	MN
Zip	55724-8108
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	SMU
Legal Description	THAT PART OF G.L.1 DESCRIBED AS FOLLOWS BEGAT NE COR OF LOT 4 STEWARTS ADD THENCE N54DEG10'21"E ALONG NELY EXTENSION OF NLY
Legal Range	16W
Legal Township	54N
Legal Section	12
Legal Subdivision	COTTON TOWN OF
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	COTTON
Census Block Group	1
Census Block	1057
Census Tract	11402

Owner

5944 Elde Rd, a residential property, is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5944 ELDE RD, COTTON, MN 55724-8108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 9, 2025	Warranty Deed, Transfer · Conventional Mortgage MAGNOLIA BANK
Nov 15, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2025 · Amount on File
Deed Sale	Sep 9, 2025 · Amount on File
Prior Sale	Nov 15, 2019 · Amount on File
Deed Document Number	20251517677
Prior Transfer Date	Apr 13, 2015
Prior Transfer Doc	00A1259650
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 9, 2025
Property Address	5944 ELDE RD, COTTON, MN 55724-8108
Document Number	0001517677
Instrument Date	Aug 11, 2025
Instrument	1517677
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,607.00
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	5944 ELDE RD, COTTON, MN 55724-8108

Mortgage

Document Number	0001517678
Date	Sep 9, 2025
Instrument	1517678

Lender

Name	MAGNOLIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 15, 2019
Property Address	5944 ELDE RD, COTTON, MN 55724-8108
Document Number	00A1367638
Instrument Date	Oct 16, 2019
Instrument	A1367638
Transaction Type	Transfer
Record Updated	Dec 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,412.40
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	239 CLEARVIEW DR VALLEJO CA 945917140, VALLEJO, CA 94591-7140

Mortgage

Document Number	A1367641
Date	Nov 15, 2019
Instrument	A1367641

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 5944 Elde Rd was $6,876 with a homeowner's exemption, up 4.1% 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	$6,876.00 (+4.06%) Homeowner's exemption
2025	$6,608.00 (+4.79%) Homeowner's exemption	$741,500 (+7.46%) Land $60,700 Building $680,800	$741,500 (+7.46%) Land $60,700 Building $680,800
2024	$6,306.00	$690,000 Land $60,700 Building $629,300	$690,000 Land $60,700 Building $629,300
2022		$512,900 Land $82,900 Building $430,000	$512,900 Land $82,900 Building $430,000

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

Flood

FEMA maps place 5944 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 5944 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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