7197 Comstock Lake Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 7197 Comstock Lake Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 840 sqft · built 1977
Lot Size	30 acres (1,306,800 sqft)
Owner	Individual Name on File
Last Sale	$55,500 (Nov 2020)
Tax Bill	$516 (2026)
Deeds & Mortgages	May 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`305-0020-02140`

Property Details

APN / Parcel Number

Primary APN	`305-0020-02140`
Alternative APN	`1068641`

Interior

Bedrooms	2 Beds
Total Rooms	2 Rooms
Stories	1 Story
Building Area	840 sqft Gross Area
1st Floor Area	840 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Frame
Lot Area	1,306,800 sqft (30 acres)
Garage Area	280 sqft
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Propane

Location & Zoning

Account Number	1068641
Street Address	7197 COMSTOCK LAKE RD
City	COTTON
State	MN
Zip	55724
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	MUNS
Legal Description	SW1/4 OF SE1/4 EX SE1/4 SERIAL #
Legal Range	17W
Legal Township	54N
Legal Section	12
Legal Subdivision	COTTON TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	COTTON
Census Block Group	2
Census Block	2101
Census Tract	11402

Owner

7197 Comstock Lake Rd, a residential property, is owned by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5451 STARK RD, DULUTH, MN 55810-9707
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	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Deed Document Number	20201395054
Record Updated	Sep 20, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 16, 2023
Property Address	COTTON, MN 55724
Document Number	0001466547
Instrument Date	May 8, 2023
Instrument	1466547
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5451 STARK RD, DULUTH, MN 55810-9707

Tax Assessment & Valuation

The 2026 property tax bill for 7197 Comstock Lake Rd was $516, up 53.6% 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	$516.00 (+53.57%)
2025	$336.00 (+2.44%)	$130,900 (+247.21%) Land $38,700 Building $92,200	$130,900 (+247.21%) Land $38,700 Building $92,200
2024	$328.00	$37,700 Land $37,600 Building $100	$37,700 Land $37,600 Building $100
2022		$36,200 Land $29,600 Building $6,600	$36,200 Land $29,600 Building $6,600

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

Flood

FEMA maps place 7197 Comstock Lake 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

Wildfire risk around 7197 Comstock Lake 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.