8774 Poplar Rd, Cotton, MN 55724 Property Records

St. Louis County property record for 8774 Poplar Rd, Cotton, MN 55724

Property Summary

Property Type	Seasonal / Vacation Home
Details	336 sqft · built 2010
Lot Size	4.71 acres (205,168 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Oct 2024)
Tax Bill	$620 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`405-0010-03521`

Property Details

APN / Parcel Number

Primary APN	`405-0010-03521`
Alternative APNs	`1098092` `1173160`

Interior

Stories	1 Story
Building Area	336 sqft Gross Area
1st Floor Area	336 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	205,168 sqft (4.71 acres)
Garage Type	Carport
Carport	Carport
Deck Area	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1173160
Street Address	8774 POPLAR RD
City	COTTON
State	MN
Zip	55724
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	SLY 200 FT OF NLY 900 FT OF LOT 5 SERIAL #
Legal Range	18W
Legal Township	54N
Legal Section	20
Legal Subdivision	KELSEY TOWN OF
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	KELSEY
Census Block Group	3
Census Block	3009
Census Tract	11300

Owner

8774 Poplar Rd, a residential property, is owned by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	5434 HIGHWAY 53, SAGINAW, MN 55779-8059
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2024 · Amount on File
Deed Sale	Oct 15, 2024 · Amount on File
Prior Sale	Oct 15, 2020 · Amount on File
Deed Document Number	20241084058
Prior Transfer Date	Sep 25, 2007
Prior Transfer Doc	0000844330
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 15, 2020
Property Address	8774 POPLAR RD, COTTON, MN 55724
Document Number	00T1030531
Instrument Date	Aug 21, 2020
Instrument	T1030531
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8774 POPLAR RD KELSEY MN 55724, KELSEY, MN 55724

Mortgage

Document Number	T1030532
Date	Oct 15, 2020
Instrument	T1030532

Lender

Name	PROCTOR FCU
Type	Credit Union
Address	PROCTOR, MN 55810

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2026 property tax bill for 8774 Poplar Rd was $620, up 7.6% 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	$620.00 (+7.64%)
2025	$576.00 (+12.5%)	$56,600 (+9.69%) Land $22,200 Building $34,400	$56,600 (+9.69%) Land $22,200 Building $34,400
2024	$512.00	$51,600 Land $21,500 Building $30,100	$51,600 Land $21,500 Building $30,100
2022		$44,900 Land $19,800 Building $25,100	$44,900 Land $19,800 Building $25,100

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

Flood

FEMA maps place 8774 Poplar Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 8774 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, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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