St. Louis County property record for 6856 Paulson Rd, Cotton, MN 55724
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 1 ba · 1,728 sqft · built 1958 |
| Lot Size | 0.407 acres (17,749 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,244 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Dec 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 320-0120-00050 |
| Primary APN | 320-0120-00050 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,728 sqft Gross Area |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 600 sqft |
| Unfinished Basement | 600 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 17,749 sqft (0.407 acres) |
| Deck Area | 35 sqft |
|---|---|
| Cabin | 105 sqft |
| Storage Building | 24 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Wood |
| Account Number | 1142586 |
|---|---|
| Street Address | 6856 PAULSON RD |
| City | COTTON |
| State | MN |
| Zip | 55724-8205 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Local Zoning Code | SMU |
| Legal Description | LOTS 4 AND 5 SERIAL # |
| Legal Subdivision | PAULSONS LAKESHORE LTS ELLSBUR |
| Legal Lot Number | 5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | ELLSBURG |
| Census Block Group | 2 |
| Census Block | 2107 |
| Census Tract | 11402 |
6856 Paulson Rd, a residential property, is owned and occupied by an individual.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6856 PAULSON RD, COTTON, MN 55724-8205 |
| 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 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Dec 5, 2019 | Loan Modification, Mortgage · Conventional Mortgage PROCTOR FCU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6856 PAULSON RD, COTTON, MN 55724-8205 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001065595 |
|---|---|
| Date | Jan 25, 2023 |
| Instrument | 1065595 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 25, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.74% |
| Type Change Date | Jan 25, 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 | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6856 PAULSON RD, COTTON, MN 55724-8205 |
| Document Number | 00T1018483 |
| Instrument Date | Dec 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 00T1018483 |
|---|---|
| Date | Dec 12, 2019 |
| Instrument | T1018483 |
| Name | PROCTOR FCU |
|---|---|
| Type | Credit Union |
| Address | PROCTOR, MN 55810 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 11, 2024 |
| Rate | 8% |
|---|
The 2026 property tax bill for 6856 Paulson Rd was $3,244 with a homeowner's exemption, up 55.5% 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 | $3,244.00 (+55.51%) Homeowner's exemption | ||
| 2025 | $2,086.00 (+114.61%) Homeowner's exemption | $359,100 (+25.08%) Land $88,100 Building $271,000 | $359,100 (+25.08%) Land $88,100 Building $271,000 |
| 2024 | $972.00 | $287,100 Land $48,800 Building $238,300 | $287,100 Land $48,800 Building $238,300 |
| 2022 | $116,700 Land $62,000 Building $54,700 | $116,700 Land $62,000 Building $54,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6856 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 risk around 6856 Paulson 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 99.1% of the US · lower than 96% 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Arvig DSL | 25 / 3 |
5G (outdoors only) and 4G LTE
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