8731 Poplar Rd, Kelsey (Cotton), MN 55724 Property Records

St. Louis County property record for 8731 Poplar Rd, Kelsey, MN 55724

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 1.5 ba · 3,104 sqft · built 2010
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Tax Bill	$3,486 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`405-0010-03490`

Property Details

APN / Parcel Number

Primary APN	`405-0010-03490`
Alternative APN	`1092612`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,104 sqft Gross Area
1st Floor Area	1,552 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Metal
Construction Type	Frame
Lot Area	1,742,400 sqft (40 acres)
Garage Area	1,232 sqft

Exterior Amenities

Porch	Slab
Deck Area	416 sqft
Storage Building	100 sqft
Pole Barn	1,152 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1092612
Street Address	8731 POPLAR RD
City	KELSEY
State	MN
Zip	55724-8532
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	MUNS
Legal Description	SE 1/4 OF SW 1/4 SERIAL #
Legal Range	18W
Legal Township	54N
Legal Section	20
Legal Subdivision	KELSEY TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	KELSEY
Census Block Group	3
Census Block	3010
Census Tract	11300

Owner

8731 Poplar Rd, an agricultural property, is owned and occupied by an individual who acquired it in March 2009.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	8731 POPLAR RD, KELSEY, MN 55724-8532
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
Jan 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage PROCTOR FEDERAL CU
Dec 10, 2020	Deed of Trust, Mortgage NORTHVIEW BK
Sep 21, 2017	Deed of Trust, Mortgage MINERS NAT'L BK/EVELETH

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 19, 2009
Transfer Doc	0001103814
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	8731 POPLAR RD, KELSEY, MN 55724-8532
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001460879
Date	Jan 25, 2023
Instrument	1460879

Lender

Name	PROCTOR FEDERAL CU
Type	Credit Union
Address	DULUTH, MN 55810

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 13, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year T-Bill
Margin	1
Max Rate	11%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	8731 POPLAR RD, KELSEY, MN 55724-8532
Document Number	00A1399201
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8731 POPLAR RD KELSEY MN 557248532, KELSEY, MN 55724-8532

Mortgage

Document Number	00A1399201
Date	Dec 21, 2020
Instrument	A1399201

Lender

Name	NORTHVIEW BK
Type	Bank
Address	FINLAYSON, MN 55735

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	8731 POPLAR RD, KELSEY, MN 55724-8532
Document Number	00A1318605
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8731 POPLAR RD KELSEY MN 557248532, KELSEY, MN 55724-8532

Mortgage

Document Number	00A1318605
Date	Sep 27, 2017
Instrument	A1318605

Lender

Name	MINERS NAT'L BK/EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

The 2026 property tax bill for 8731 Poplar Rd was $3,486 with a homeowner's exemption, up 14.4% 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	Kelsey Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,486.00 (+14.45%) Homeowner's exemption
2025	$3,046.00 (+14.51%) Homeowner's exemption	$476,800 (+13.07%) Land $58,200 Building $418,600	$476,800 (+13.07%) Land $58,200 Building $418,600
2024	$2,660.00	$421,700 Land $56,700 Building $365,000	$421,700 Land $56,700 Building $365,000
2022		$301,000 Land $45,000 Building $256,000	$301,000 Land $45,000 Building $256,000

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

Flood

FEMA maps place 8731 Poplar 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 8731 Poplar 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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