5948 Elde Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 5948 Elde Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 492 sqft
Lot Size	2.18 acres (95,226 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Aug 2021)
Tax Bill	$1,448 (2026)
Deeds & Mortgages	Jul 2026 Sale Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`305-0047-00030`

Property Details

APN / Parcel Number

Primary APN	`305-0047-00030`
Alternative APNs	`1114275` `1170026`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	492 sqft Gross Area
1st Floor Area	492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Lot Area	95,226 sqft (2.18 acres)
Garage Area	896 sqft

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1170026
Street Address	5948 ELDE RD
City	COTTON
State	MN
Zip	55724
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOT: 0003 SERIAL #
Legal Subdivision	STEWARTS ADDITION
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	COTTON
Census Block Group	1
Census Block	1057
Census Tract	11402

Owner

5948 Elde Rd, a residential property, is owned by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1119 S OAK ST, CLOQUET, MN 55720-1495
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
Jul 2, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 5, 2021	Deed, Transfer
Feb 14, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2021 · Amount on File
Deed Sale	Aug 5, 2021 · Amount on File
Deed Document Number	20211421062
Prior Transfer Date	Jan 25, 2018
Prior Transfer Doc	0001327682
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 2, 2026
Property Address	5948 ELDE RD, COTTON, MN 55724
Document Number	0001535446
Instrument Date	Jun 8, 2026
Instrument	20261535446
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$166.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1119 S OAK ST, CLOQUET, MN 55720-1495

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 5, 2021
Property Address	5948 ELDE RD, COTTON, MN 55724
Document Number	0001421062
Instrument Date	Jun 29, 2021
Instrument	1421062
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Amount	Amount on Record
Tax	$363.00
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	1119 S OAK ST, CLOQUET, MN 55720-1495

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 14, 2018
Property Address	5948 ELDE RD, COTTON, MN 55724
Document Number	00A1327682
Instrument Date	Jan 25, 2018
Instrument	A1327682
Transaction Type	Transfer
Record Updated	Mar 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	118 COFFEE CREEK BLVD DULUTH MN 558113502, DULUTH, MN 55811-3502

Tax Assessment & Valuation

The 2026 property tax bill for 5948 Elde Rd was $1,448, up 4% 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	$1,448.00 (+4.02%)
2025	$1,392.00 (+4.66%)	$137,500 (-) Land $63,600 Building $73,900	$137,500 (-) Land $63,600 Building $73,900
2024	$1,330.00	$137,500 Land $63,600 Building $73,900	$137,500 Land $63,600 Building $73,900
2022		$160,600 Land $95,700 Building $64,900	$160,600 Land $95,700 Building $64,900

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

Flood

FEMA maps place 5948 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 5948 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

Nearby Properties on Elde Rd

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