7539 McKay Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 7539 McKay Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 480 sqft · built 1970
Lot Size	16.6 acres (727,016 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Mar 2024)
Tax Bill	$966 (2026)
Deeds & Mortgages	Mar 2024 Sale Oct 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`305-0020-03910`

Property Details

APN / Parcel Number

Primary APN	`305-0020-03910`
Alternative APNs	`1134363` `1163713`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	480 sqft Gross Area
1st Floor Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Rustic
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	727,016 sqft (16.6 acres)
Porch	Slab
Porch Area	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1163713
Street Address	7539 MCKAY RD
City	COTTON
State	MN
Zip	55724-8036
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	MUNS
Legal Description	S1/2 OF SE1/4 OF SE1/4 EX NLY 208 FT OFELY 208 FT EX HWY RT OF W SERIAL #
Legal Range	17W
Legal Township	54N
Legal Section	22
Legal Subdivision	COTTON TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	COTTON
Census Block Group	1
Census Block	1075
Census Tract	11402

Owner

7539 McKay Rd, a residential property, is owned and occupied by an individual who bought it in March 2024.

Source: St. Louis County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	7539 MCKAY RD, COTTON, MN 55724-8036
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

Date	Document
Mar 27, 2024	Warranty Deed, Transfer ALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE CO LLC
Oct 6, 2022	Transfer on Death Deed, Transfer
Aug 2, 2022	Warranty Deed, Transfer PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2024 · Amount on File
Deed Sale	Mar 20, 2024 · Amount on File
Prior Sale	Aug 2, 2022 · Amount on File
Deed Document Number	20241632205
Prior Transfer Date	Sep 28, 2022
Prior Transfer Doc	0001453650
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 27, 2024
Property Address	7539 MCKAY RD, COTTON, MN 55724-8036
Document Number	0001485055
Instrument Date	Mar 20, 2024
Instrument	1485055
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	ALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE CO LLC

Transaction

Amount	Amount on Record
Tax	$462.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1285 BIRCHWOOD DR, WRIGHT, MN 55798-8284

October 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 6, 2022
Property Address	7539 E MCKAY RD, COTTON, MN 55724-8036
Document Number	0001453650
Instrument Date	Sep 28, 2022
Instrument	1453650
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7539 E MCKAY RD, COTTON, MN 55724-8036

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 2, 2022
Property Address	7539 E MCKAY RD, COTTON, MN 55724-8036
Document Number	0001448805
Instrument Date	Jul 26, 2022
Instrument	1448805
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$264.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7539 MCKAY RD, COTTON, MN 55724-8036

Tax Assessment & Valuation

The 2026 property tax bill for 7539 McKay Rd was $966, up 245% 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	$966.00 (+245%)
2025	$280.00 Homeowner's exemption	$90,300 (+20.88%) Land $37,800 Building $52,500	$90,300 (+20.88%) Land $37,800 Building $52,500
2024		$74,700 Land $36,900 Building $37,800	$74,700 Land $36,900 Building $37,800
2023	$552.00
2022		$46,400 Land $20,200 Building $26,200	$46,400 Land $20,200 Building $26,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 7539 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

Wildfire risk around 7539 McKay 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 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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