St. Louis County property record for 8680 Lambert Rd, Cotton, MN 55724
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 480 sqft · built 2017 |
| Lot Size | 80 acres (3,484,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Aug 2026) |
| Tax Bill | $998 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 305-0020-04380 |
| Primary APN | 305-0020-04380 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 480 sqft Gross Area |
| 1st Floor Area | 480 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 3,484,800 sqft (80 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Storage Building | 70 sqft |
| Sauna | Sauna |
| Heating Fuel | Wood |
|---|
| Account Number | 863818 |
|---|---|
| Street Address | 8680 LAMBERT RD |
| City | COTTON |
| State | MN |
| Zip | 55724 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | MUNS |
| Legal Description | W 1/2 OF NW 1/4 SERIAL # |
| Legal Range | 17W |
| Legal Township | 54N |
| Legal Section | 25 |
| Legal Subdivision | COTTON TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | COTTON |
| Census Block Group | 1 |
| Census Block | 1083 |
| Census Tract | 11402 |
8680 Lambert Rd, a residential property, is owned by an individual who bought it in August 2026.
Source: St. Louis County records, as of September 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1415 CLOQUET AVE, CLOQUET, MN 55720-1943 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Last Sale | Aug 21, 2026 · Amount on File |
| Deed Sale | Aug 21, 2026 · Amount on File |
| Prior Sale | Nov 7, 2014 · Amount on File |
| Deed Document Number | 20261538899 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 21, 2026 |
| Property Address | 8680 LAMBERT RD, COTTON, MN 55724 |
| Document Number | 0001538899 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 20261538899 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | NORTHEAST TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $68,326.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1415 CLOQUET AVE, CLOQUET, MN 55720-1943 |
| Document Number | 0001538901, |
|---|---|
| Date | Aug 21, 2026 |
| Instrument | 20261538901 |
| Name | NORTHWOODS CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 21, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2026 property tax bill for 8680 Lambert Rd was $998, up 7.8% 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 | $998.00 (+7.78%) | ||
| 2025 | $926.00 (+2.21%) | $98,700 (+3.13%) Land $70,200 Building $28,500 | $98,700 (+3.13%) Land $70,200 Building $28,500 |
| 2024 | $906.00 | $95,700 Land $68,400 Building $27,300 | $95,700 Land $68,400 Building $27,300 |
| 2022 | $83,700 Land $54,800 Building $28,900 | $83,700 Land $54,800 Building $28,900 |
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 8680 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 8680 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.
Source: FCC Broadband Data Collection, based on 2 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 |
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