6844 Paulson Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 6844 Paulson Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 1,152 sqft · built 1968
Lot Size	1.01 acres (44,117 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Feb 2018)
Tax Bill	$2,210 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`320-0120-00080`

Property Details

APN / Parcel Number

Primary APN	`320-0120-00080`
Alternative APN	`1045987`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,152 sqft Gross Area
1st Floor Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Logs
Construction Type	Frame
Lot Area	44,117 sqft (1.01 acres)
Garage Area	432 sqft
Deck Area	9 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1045987
Street Address	6844 PAULSON RD
City	COTTON
State	MN
Zip	55724-8205
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOTS 8 AND 9 SERIAL #
Legal Subdivision	PAULSONS LAKESHORE LOTS
Legal Lot Number	8-9
Jurisdiction	ST LOUIS MN
Township / Civil Division	ELLSBURG
Census Block Group	2
Census Block	2107
Census Tract	11402

Owner

6844 Paulson Rd, a residential property, is owned by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	10250 KALEN LN NE, HANOVER, MN 55341-4112
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
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Feb 9, 2018	Warranty Deed, Transfer · Conventional Mortgage BELL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2018 · Amount on File
Deed Sale	Feb 9, 2018 · Amount on File
Deed Document Number	2018995019
Prior Transfer Date	Feb 12, 2008
Prior Transfer Doc	0000849506
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6844 PAULSON RD, COTTON, MN 55724-8205
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001044433
Date	Jul 29, 2021
Instrument	1044433

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 9, 2018
Property Address	6844 PAULSON RD, COTTON, MN 55724-8205
Document Number	000T995019
Instrument Date	Jan 25, 2018
Instrument	T995019
Transaction Type	Transfer
Record Updated	Mar 5, 2018
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$488.40
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	10250 KALEN LN NE HANOVER MN 553414112, HANOVER, MN 55341-4112

Mortgage

Document Number	T995020
Date	Feb 9, 2018
Instrument	T995020

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 8, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 6844 Paulson Rd was $2,210, up 17.4% 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	$2,210.00 (+17.43%)
2025	$1,882.00 (+5.73%)	$247,800 (+29.47%) Land $35,900 Building $211,900	$247,800 (+29.47%) Land $35,900 Building $211,900
2024	$1,780.00	$191,400 Land $33,400 Building $158,000	$191,400 Land $33,400 Building $158,000
2022		$160,600 Land $57,000 Building $103,600	$160,600 Land $57,000 Building $103,600

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

Flood

FEMA maps place 6844 Paulson 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

Wildfire risk around 6844 Paulson Rd is low, with a 0.02% 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	0.02% 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 17 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

Nearby Properties on Paulson Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures