St. Louis County property record for 6490 Stone Rd, Cotton, MN 55724
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 1 ba · 868 sqft · built 1940 |
| Lot Size | 9.53 acres (415,127 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (May 2007) |
| Tax Bill | $1,748 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 320-0010-02320 |
| Primary APN | 320-0010-02320 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 868 sqft Gross Area |
| 1st Floor Area | 728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Construction Type | Frame |
| Lot Area | 415,127 sqft (9.53 acres) |
| Garage Area | 400 sqft |
| Deck Area | 112 sqft |
|---|---|
| Cabin | 300 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Heating Fuel | Gas |
|---|
| Account Number | 848101 |
|---|---|
| Street Address | 6490 STONE RD |
| City | COTTON |
| State | MN |
| Zip | 55724 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | RES |
| Legal Description | GOVT LOT 3 EX THAT PART BEG AT SW COR OF GOVTLOT 1 THENCE S89DEG47'07"E ALONG S LINE OFGOVT LOT 1 275.36 FT THENCE |
| Legal Range | 16W |
| Legal Township | 55N |
| Legal Section | 15 |
| Legal Subdivision | ELLSBURG TOWN OF |
| Legal Lot Number | 1,3,275 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | ELLSBURG |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 11402 |
6490 Stone Rd, a residential property, is owned by an individual who bought it in May 2007.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4340 WASHBURN AVE N, MINNEAPOLIS, MN 55412-1020 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2007 · Amount on File |
| Deed Sale | May 23, 2007 · Amount on File |
| Prior Sale | Aug 10, 2005 · Amount on File |
| Deed Document Number | 20071051745 |
| Prior Transfer Date | Nov 15, 2002 |
| Prior Transfer Doc | 0000887226 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 6490 Stone Rd was $1,748, up 5.7% 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 | $1,748.00 (+5.68%) | ||
| 2025 | $1,654.00 (+6.03%) | $173,200 (+3.34%) Land $54,600 Building $118,600 | $173,200 (+3.34%) Land $54,600 Building $118,600 |
| 2024 | $1,560.00 | $167,600 Land $53,100 Building $114,500 | $167,600 Land $53,100 Building $114,500 |
| 2022 | $141,100 Land $49,100 Building $92,000 | $141,100 Land $49,100 Building $92,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6490 Stone Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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 6490 Stone 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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