5974 Elde Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 5974 Elde Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 1,248 sqft
Lot Size	2.86 acres (124,968 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (May 2024)
Tax Bill	$1,004 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`305-0045-00060`

Property Details

APN / Parcel Number

Primary APN	`305-0045-00060`
Alternative APNs	`1103950` `1165982`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,248 sqft Gross Area
1st Floor Area	1,248 sqft

Exterior

Architectural Style	Rustic
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Lot Area	124,968 sqft (2.86 acres)
Garage Area	672 sqft
Deck Area	160 sqft
Storage Building	112 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Propane

Location & Zoning

Account Number	1165982
Street Address	5974 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	LOTS 6 & 7 SERIAL #
Legal Subdivision	SHORE VIEW LTS TOWN OF COTTON
Legal Lot Number	6-7
Jurisdiction	ST LOUIS MN
Township / Civil Division	COTTON
Census Block Group	1
Census Block	1057
Census Tract	11402

Owner

5974 Elde Rd, a residential property, is owned by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	25743 PLEASANT VALLEY RD NW, PUPOSKY, MN 56667-6784
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
Aug 17, 2023	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jan 29, 2021	Warranty Deed, Transfer · Conventional with PMI MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2024 · Amount on File
Deed Sale	May 15, 2024 · Amount on File
Prior Sale	May 9, 2024 · Amount on File
Deed Document Number	20241079286
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5974 ELDE RD, COTTON, MN 55724
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5974 ELDE RD, COTTON, MN 55724-8108

Mortgage

Document Number	0001071372
Date	Aug 17, 2023
Instrument	1071372

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 29, 2021
Property Address	5974 ELDE RD, COTTON, MN 55724
Document Number	00T1035846
Instrument Date	Jan 13, 2021
Instrument	T1035846
Transaction Type	Transfer
Record Updated	Feb 23, 2021
Title Company	CARLTON COUNTY ABSTRACT AND TITLE, CARLTON CNTY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$503.00
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	5974 ELDE RD COTTON MN 55724, COTTON, MN 55724

Mortgage

Document Number	T1035847
Date	Jan 29, 2021
Instrument	T1035847

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Jan 28, 2041

Interest

Rate Type	Adjustable Rate
Rate	6.5%

Tax Assessment & Valuation

The 2026 property tax bill for 5974 Elde Rd was $1,004, down 20.1% 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	$1,004.00 (-20.06%)
2025	$1,256.00 (+9.22%)	$218,000 (+76.38%) Land $76,600 Building $141,400	$218,000 (+76.38%) Land $76,600 Building $141,400
2024	$1,150.00	$123,600 Land $76,600 Building $47,000	$123,600 Land $76,600 Building $47,000
2022		$152,800 Land $110,600 Building $42,200	$152,800 Land $110,600 Building $42,200

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

Flood

FEMA maps place 5974 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 5974 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Arvig DSL	10 / 1

Cell Coverage

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

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