7861 Gresham Ln S, Cottage Grove, MN 55016 Property Records

Washington County property record for 7861 Gresham Ln S, Cottage Grove, MN 55016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1959
Lot Size	0.299 acres (13,029 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Mar 2018)
Tax Bill	$3,840 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-027-21-43-0026`

Property Details

APN / Parcel Number

Primary APN	`07-027-21-43-0026`
Alternative APN	`284973000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,056 sqft Living Area
Basement Area	579 sqft
Finished Basement	579 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,029 sqft (0.299 acres)
Lot Dimensions	107 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	7861 GRESHAM LN S
City	COTTAGE GROVE
State	MN
Zip	55016-2636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME THOMPSON'S GROVE 8TH ADD LOT 1 BLOCK 2 SUBDIVISIONCD 28497
Legal Range	21W
Legal Township	27N
Legal Section	07
Legal Subdivision	THOMPSON'S GROVE 8TH ADD
Legal Block	2
Legal Lot Number	1
Jurisdiction	WASHINGTON MN
Township / Civil Division	COTTAGE GROVE
Census Block Group	1
Census Block	1018
Census Tract	71400

Owner

7861 Gresham Ln S is owned and occupied by an individual who bought it in March 2018.

Source: Washington County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	7861 GRESHAM LN S, COTTAGE GROVE, MN 55016-2636
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
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Aug 23, 2018	Deed of Trust, Mortgage · Conventional with PMI BELL BK
Mar 2, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2018 · Amount on File
Deed Sale	Mar 2, 2018 · Amount on File
Deed Document Number	20181252321
Prior Transfer Date	Jan 18, 2018
Prior Transfer Doc	0001252321
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MN
Property Address	7861 GRESHAM LN S, COTTAGE GROVE, MN 55016-2636
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001264738
Date	Apr 2, 2020
Instrument	1264738

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON MN
Property Address	7861 GRESHAM LN S, COTTAGE GROVE, MN 55016-2636
Document Number	0001255257
Instrument Date	Aug 23, 2018
Transaction Type	Mortgage
Record Updated	Sep 13, 2018
Title Company	TITLE SMART INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7861 GRESHAM LN S COTTAGE GROVE MN 550162636, COTTAGE GROVE, MN 55016-2636

Mortgage

Document Number	0001255257
Date	Aug 28, 2018
Instrument	1255257

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2048

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WASHINGTON MN
Recording Date	Mar 2, 2018
Property Address	7861 GRESHAM LN S, COTTAGE GROVE, MN 55016-2636
Document Number	0001252321
Instrument Date	Jan 18, 2018
Instrument	1252321
Transaction Type	Foreclosure
Record Updated	Jul 4, 2022
Title Company	TITLESMART INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7861 GRESHAM LN S, COTTAGE GROVE, MN 55016-2636

Mortgage

Document Number	0001252322
Date	Mar 2, 2018
Instrument	1252322

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 7861 Gresham Ln S was $3,840.

Source: Washington County assessment roll, as of June 9, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Cottage Grove City
County	Washington County
Unified School District	South Washington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,840.00
2025		$290,300 (+4.31%) Land $110,000 Building $180,300	$290,300 (+4.31%) Land $110,000 Building $180,300
2024		$278,300 Land $100,000 Building $178,300	$278,300 Land $100,000 Building $178,300
2023	$3,376.00
2022		$272,800 Land $114,500 Building $158,300	$272,800 Land $114,500 Building $158,300

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

Flood

FEMA maps place 7861 Gresham Ln S in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 20, 2022

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

The area around 7861 Gresham Ln S has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Cottage Grove serves 42,760 people · EPA ID MN1820004
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire.

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