St. Louis County property record for 7486 McKay Rd, Cotton, MN 55724
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $456 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 305-0020-04542 |
| Primary APN | 305-0020-04542 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Gross Area |
| 1st Floor Area | 912 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Area | 480 sqft |
| Deck Area | 42 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 548496 |
|---|---|
| Street Address | 7486 MCKAY RD |
| City | COTTON |
| State | MN |
| Zip | 55724-8009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNS |
| Legal Description | PART OF NW 1/4 OF NW 1/4 BEG AT A PT 600FT S OF NW COR AND ON THE ELY HWY RT OFWAY THENCE E 474 FT THENCE S 230 FTTHENCE W |
| Legal Range | 17W |
| Legal Township | 54N |
| Legal Section | 26 |
| Legal Subdivision | COTTON TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | COTTON |
| Census Block Group | 1 |
| Census Block | 1082 |
| Census Tract | 11402 |
7486 McKay Rd 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 | 7486 MCKAY RD, COTTON, MN 55724-8009 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 7486 McKay Rd was $456 with exemptions applied, up 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 | Cotton Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $456.00 (+7.04%) Homeowner's exemption Disabled Person's exemption | ||
| 2025 | $426.00 (-34.66%) Homeowner's exemption | $120,000 (+3.72%) Land $28,600 Building $91,400 | $120,000 (+3.72%) Land $28,600 Building $91,400 |
| 2024 | $652.00 | $115,700 Land $28,100 Building $87,600 | $115,700 Land $28,100 Building $87,600 |
| 2022 | $116,300 Land $15,000 Building $101,300 | $116,300 Land $15,000 Building $101,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7486 McKay Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 risk around 7486 McKay 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
| Arvig DSL | 10 / 1 |
May also be available: AT&T, Verizon.
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