6279 Stenberg Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 6279 Stenberg Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 1,008 sqft · built 2003
Lot Size	0.795 acres (34,667 sqft)
Owner	Trust Name on File
Last Sale	$58,000 (Dec 2009)
Tax Bill	$2,530 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`320-0160-00060`

Property Details

APN / Parcel Number

Primary APN	`320-0160-00060`
Alternative APNs	`1131225` `1174860` `1190124`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 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 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	34,667 sqft (0.795 acres)
Garage Area	2,704 sqft
Deck Area	496 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1190124
Street Address	6279 STENBERG RD
City	COTTON
State	MN
Zip	55724
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOT: 0006 BLOCK:000 SERIAL #
Legal Subdivision	STENBERGS SUNSET PARK
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	ELLSBURG
Census Block Group	2
Census Block	2081
Census Tract	11402

Owner

6279 Stenberg Rd, a residential property, is held in a trust since November 2024.

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

Owner of Record	Trust Name on File
Mailing Address	1202 3RD AVE, DULUTH, MN 55810-1232
Owner Type	Company
Vesting	Trust, Family Trust

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
Jan 13, 2026	Deed of Trust, Mortgage · Line of Credit ROYAL CU
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROYAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2009 · Amount on File
Deed Sale	Dec 23, 2009 · Amount on File
Deed Document Number	20091125655
Last Transfer Date	Nov 8, 2024
Transfer Doc	0001504489
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6279 STENBERG RD, COTTON, MN 55724
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 3RD AVE, PROCTOR, MN 55810-1232

Mortgage

Document Number	0001526048
Date	Jan 13, 2026
Instrument	1526048

Lender

Name	ROYAL CU
Type	Credit Union
Address	EAU CLAIRE, WI 54703

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6279 STENBERG RD, COTTON, MN 55724
Document Number	00A1366265
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6279 STENBERG RD COTTON MN 55724, COTTON, MN 55724

Mortgage

Document Number	00A1366265
Date	Oct 28, 2019
Instrument	A1366265

Lender

Name	ROYAL CU
Type	Credit Union
Address	EAU CLAIRE, WI 54703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 27, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 6279 Stenberg Rd was $2,530, up 11.2% 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	$2,530.00 (+11.16%)
2025	$2,276.00 (+7.16%)	$252,500 (+8.74%) Land $47,800 Building $204,700	$252,500 (+8.74%) Land $47,800 Building $204,700
2024	$2,124.00	$232,200 Land $44,100 Building $188,100	$232,200 Land $44,100 Building $188,100
2022		$164,400 Land $58,400 Building $106,000	$164,400 Land $58,400 Building $106,000

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

Flood

FEMA maps place 6279 Stenberg 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 6279 Stenberg 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 93% of the US · lower than 78% 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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