St. Louis County property record for 6282 Stenberg Rd, Cotton, MN 55724
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 144 sqft · built 2013 |
| Lot Size | 4.54 acres (198,081 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,106 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 320-0160-00150 |
| Primary APN | 320-0160-00150 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 144 sqft Gross Area |
| 1st Floor Area | 112 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Metal |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 198,081 sqft (4.54 acres) |
| Garage Area | 2,700 sqft |
| Gazebo | 144 sqft |
| Storage Building | 208 sqft |
| Total Buildings | 2 Buildings |
| Account Number | 1097845 |
|---|---|
| Street Address | 6282 STENBERG RD |
| City | COTTON |
| State | MN |
| Zip | 55724-4501 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Local Zoning Code | SMU |
| Legal Description | OUTLOT B SERIAL # |
| Legal Subdivision | STENBERGS SUNSET PARK |
| Legal Lot Number | B |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | ELLSBURG |
| Census Block Group | 2 |
| Census Block | 2080 |
| Census Tract | 11402 |
6282 Stenberg Rd, a residential property, is owned and occupied by an individual who acquired it in September 2013.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6282 STENBERG RD, COTTON, MN 55724-4501 |
| 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.
| Date | Document |
|---|---|
| Jan 13, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Sep 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 12, 2013 |
| Transfer Doc | 00A1223808 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6282 STENBERG RD, COTTON, MN 55724-4501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001460334 |
|---|---|
| Date | Jan 13, 2023 |
| Instrument | 1460334 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 13, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.74% |
| Type Change Date | Jan 13, 2026 |
| Change Frequency | 3 Years |
| Min Rate At Change | 7.74% |
| Max Rate At Change | 9.74% |
| Index | Prime Rate |
| Max Rate | 13.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6282 STENBERG RD, COTTON, MN 55724-4501 |
| Document Number | 0001340537 |
| Instrument Date | Sep 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6282 STENBERG RD COTTON MN 55724, COTTON, MN 55724 |
| Document Number | 0001340537 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 1340537 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55807 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 12, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
The 2026 property tax bill for 6282 Stenberg Rd was $1,106 with a homeowner's exemption, up 21% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Ellsburg Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,106.00 (+21.01%) Homeowner's exemption | ||
| 2025 | $914.00 (-17.51%) Homeowner's exemption | $187,900 (+9.37%) Land $25,600 Building $162,300 | $187,900 (+9.37%) Land $25,600 Building $162,300 |
| 2024 | $1,108.00 | $171,800 Land $24,000 Building $147,800 | $171,800 Land $24,000 Building $147,800 |
| 2022 | $134,500 Land $26,300 Building $108,200 | $134,500 Land $26,300 Building $108,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6282 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 risk around 6282 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.
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 |
4G LTE (outdoors only), no 5G reported
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