5950 Elde Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 5950 Elde Rd, Cotton, MN 55724

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1986
Lot Size	1.68 acres (73,412 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Sep 2019)
Tax Bill	$2,120 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`305-0047-00020`

Property Details

APN / Parcel Number

Primary APN	`305-0047-00020`
Alternative APN	`1088419`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	73,412 sqft (1.68 acres)
Garage Area	1,296 sqft

Exterior Amenities

Deck Area	120 sqft
Storage Building	100 sqft
Pole Barn	1,350 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1088419
Street Address	5950 ELDE RD
City	COTTON
State	MN
Zip	55724-8108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0002 SERIAL #
Legal Subdivision	STEWARTS ADDITION
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	COTTON
Census Block Group	1
Census Block	1057
Census Tract	11402

Owner

5950 Elde Rd is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	5950 ELDE RD, COTTON, MN 55724-8108
Occupancy	Owner Occupied
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
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CHOICE CU
Sep 16, 2019	Warranty Deed, Transfer · Conventional with PMI SUPERIOR CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2019 · Amount on File
Deed Sale	Sep 16, 2019 · Amount on File
Deed Document Number	20191363377
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5950 ELDE RD, COTTON, MN 55724-8108
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001409662
Date	Apr 8, 2021
Instrument	1409662

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 16, 2019
Property Address	5950 ELDE RD, COTTON, MN 55724-8108
Document Number	00A1363377
Instrument Date	Aug 30, 2019
Instrument	A1363377
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.50
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	5284 ARNOLD RD DULUTH MN 558039311, DULUTH, MN 55803-9311

Mortgage

Document Number	A1363378
Date	Sep 16, 2019
Instrument	A1363378

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

The 2026 property tax bill for 5950 Elde Rd was $2,120 with a homeowner's exemption, up 4.3% 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	$2,120.00 (+4.33%) Homeowner's exemption
2025	$2,032.00 (-7.13%) Homeowner's exemption	$276,600 (-) Land $64,200 Building $212,400	$276,600 (-) Land $64,200 Building $212,400
2024	$2,188.00	$276,600 Land $64,200 Building $212,400	$276,600 Land $64,200 Building $212,400
2022		$270,100 Land $103,600 Building $166,500	$270,100 Land $103,600 Building $166,500

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

Flood

FEMA maps place 5950 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 5950 Elde Rd is low, with less than 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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

5G and 4G LTE (outdoors only)

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