St. Louis County property record for 8631 Lambert Rd, Cotton, MN 55724
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 1 bd · 448 sqft · built 2020 |
| Lot Size | 30 acres (1,306,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $138,000 (Jan 2007) |
| Tax Bill | $644 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 305-0020-04525 |
| Primary APN | 305-0020-04525 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 448 sqft Gross Area |
| 1st Floor Area | 448 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 1,306,800 sqft (30 acres) |
| Porch | Open Porch |
| Sauna | Sauna |
| Heating Fuel | Wood |
|---|
| Account Number | 1131149 |
|---|---|
| Street Address | 8631 LAMBERT RD |
| City | COTTON |
| State | MN |
| Zip | 55724 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | FAM |
| Legal Description | S1/2 OF N1/2 OF SE1/4 OF NE1/4 AND S1/2OF SE1/4 OF NE1/4 SERIAL # |
| 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 | 1083 |
| Census Tract | 11402 |
8631 Lambert Rd, a residential property, is owned by an individual who acquired it in July 2011.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 36922 LAKE SHORE DR, STURGEON LAKE, MN 55783-3768 |
| 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.
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage NORTHVIEW BANK |
| Aug 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 2007 · Amount on File |
| Deed Sale | Jan 26, 2007 · Amount on File |
| Prior Sale | Sep 26, 2005 · Amount on File |
| Deed Document Number | 20071041629 |
| Last Transfer Date | Jul 1, 2011 |
| Transfer Doc | 0000066165 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 8631 LAMBERT RD, COTTON, MN 55724 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001527225 |
|---|---|
| Date | Feb 2, 2026 |
| Instrument | 1527225 |
| Name | NORTHVIEW BANK |
|---|---|
| Type | Bank |
| Address | WILLOW RIVER, MN 55795 |
| Amount | Amount on Record |
|---|---|
| Term | 59 Months |
| Due | Jan 26, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 8631 LAMBERT RD, COTTON, MN 55724 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001473151 |
|---|---|
| Date | Aug 31, 2023 |
| Instrument | 1473151 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | DULUTH, MN 55816 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 28, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8% |
| Type Change Date | Aug 28, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 10% |
| Index | Prime Rate |
| Max Rate | 14% |
The 2026 property tax bill for 8631 Lambert Rd was $644, 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 | $644.00 (+6.98%) | ||
| 2025 | $602.00 (+2.03%) | $60,200 (+5.06%) Land $34,700 Building $25,500 | $60,200 (+5.06%) Land $34,700 Building $25,500 |
| 2024 | $590.00 | $57,300 Land $33,800 Building $23,500 | $57,300 Land $33,800 Building $23,500 |
| 2022 | $54,200 Land $26,900 Building $27,300 | $54,200 Land $26,900 Building $27,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8631 Lambert 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 8631 Lambert 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.
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