6205 Pinehurst Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 6205 Pinehurst Rd, Cotton, MN 55724

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	2 bd · 1 ba · 780 sqft · built 1994
Lot Size	0.943 acres (41,088 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Oct 2012)
Tax Bill	$1,702 (2026)
Deeds & Mortgages	Nov 2020 Loan Modification Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`320-0130-00050`

Property Details

APN / Parcel Number

Primary APN	`320-0130-00050`
Alternative APN	`1069855`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	780 sqft Gross Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	41,088 sqft (0.943 acres)
Garage Area	1,080 sqft

Exterior Amenities

Porch	Porch
Porch Area	384 sqft
Deck Area	144 sqft
Patio Area	276 sqft
Cabin	320 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1069855
Street Address	6205 PINEHURST RD
City	COTTON
State	MN
Zip	55724-8206
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	SMU
Legal Description	LOT 5 AND SLY 66 2/3 FT OF LOT 6 SERIAL #
Legal Subdivision	PINEHURST PARK
Legal Lot Number	5-6
Jurisdiction	ST LOUIS MN
Township / Civil Division	ELLSBURG
Census Block Group	2
Census Block	2080
Census Tract	11402

Owner

6205 Pinehurst Rd, a residential property, is owned and occupied by an individual who bought it in October 2012.

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

Owner of Record	Individual Name on File
Mailing Address	6205 PINEHURST RD, COTTON, MN 55724-8206
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
Nov 12, 2020	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK
Jul 1, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2012 · Amount on File
Deed Sale	Oct 23, 2012 · Amount on File
Deed Document Number	20121198651
Prior Transfer Date	Aug 22, 2012
Prior Transfer Doc	0001198650
Record Updated	Sep 20, 2026

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	6205 PINEHURST RD, COTTON, MN 55724-8206
Document Number	00A1397249
Instrument Date	Nov 12, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6205 PINEHURST RD COTTON MN 557248206, COTTON, MN 55724-8206

Mortgage

Document Number	00A1397249
Date	Dec 2, 2020
Instrument	A1397249

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6205 PINEHURST RD, COTTON, MN 55724-8206
Document Number	00A1358872
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6205 PINEHURST RD COTTON MN 557248206, COTTON, MN 55724-8206

Mortgage

Document Number	00A1358872
Date	Jul 18, 2019
Instrument	A1358872

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 6205 Pinehurst Rd was $1,702 with a homeowner's exemption, up 18.2% 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	Ellsburg Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,702.00 (+18.19%) Homeowner's exemption
2025	$1,440.00 (-11%) Homeowner's exemption	$245,300 (+9.75%) Land $67,000 Building $178,300	$245,300 (+9.75%) Land $67,000 Building $178,300
2024	$1,618.00	$223,500 Land $61,100 Building $162,400	$223,500 Land $61,100 Building $162,400
2022		$178,900 Land $85,200 Building $93,700	$178,900 Land $85,200 Building $93,700

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

Flood

FEMA maps place 6205 Pinehurst Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 6205 Pinehurst 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 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Arvig DSL	50 / 5

Cell Coverage

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

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