7181 Bug Creek Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 7181 Bug Creek Rd, Cotton, MN 55724

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 768 sqft
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Jul 2019)
Tax Bill	$1,504 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`305-0020-02230`

Property Details

APN / Parcel Number

Primary APN	`305-0020-02230`
Alternative APN	`1074465`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	768 sqft Gross Area
1st Floor Area	768 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,742,400 sqft (40 acres)
Garage Area	768 sqft

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	280 sqft
Storage Building	80 sqft
Pole Barn	1,200 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1074465
Street Address	7181 BUG CREEK RD
City	COTTON
State	MN
Zip	55724-8004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	GOVT LOT 7 AND E 545.33 FT OF GOVT LOT 6 SERIAL #
Legal Range	17W
Legal Township	54N
Legal Section	13
Legal Subdivision	COTTON TOWN OF
Legal Lot Number	6-7
Jurisdiction	ST LOUIS MN
Township / Civil Division	COTTON
Census Block Group	1
Census Block	1072
Census Tract	11402

Owner

7181 Bug Creek Rd is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	7181 BUG CREEK RD, COTTON, MN 55724-8004
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2019 · Amount on File
Deed Sale	Jul 24, 2019 · Amount on File
Prior Sale	Feb 6, 2014 · Amount on File
Deed Document Number	20191359224
Prior Transfer Date	Jul 11, 2005
Prior Transfer Doc	0000987808
Record Updated	Sep 20, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 24, 2019
Property Address	7181 BUG CREEK RD, COTTON, MN 55724-8004
Document Number	00A1359224
Instrument Date	Jul 19, 2019
Instrument	A1359224
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7181 BUG CREEK RD COTTON MN 557248004, COTTON, MN 55724-8004

Mortgage

Document Number	A1359225
Date	Jul 24, 2019
Instrument	A1359225

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 7181 Bug Creek Rd was $1,504 with a homeowner's exemption, 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	Cotton Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,504.00 (+11.24%) Homeowner's exemption
2025	$1,352.00 (-16.95%) Homeowner's exemption	$224,800 (+3.64%) Land $85,900 Building $138,900	$224,800 (+3.64%) Land $85,900 Building $138,900
2024	$1,628.00	$216,900 Land $83,900 Building $133,000	$216,900 Land $83,900 Building $133,000
2022		$220,600 Land $73,200 Building $147,400	$220,600 Land $73,200 Building $147,400

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

Flood

FEMA maps place 7181 Bug Creek Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 7181 Bug Creek Rd is low, with 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Arvig DSL	10 / 1

May also be available: AT&T.

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