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6423 Bobcat Ridge Road, Cotton, MN 55724

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For Sale

$644,000

3 beds • 3 baths • 2,279 sqft

Estimated Payment

$ 3,314 /mo. †

6.67% APR for 30 yrs.
$0 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $282.58
    Price per square foot

  • 11-20 Years Old
    Age

  • Basement
    Rooms

Explore this Property

A Woodworker s Own Private Cabin, Set On 3.6 Acres & 385 Ft Walk In Swimming Shoreline, Morcom Lake Just 45 N of Duluth & 25 S of Virginia, 10 to Cotton. Gorgeous Sunsets & Sun All Day Long! This is a 178 acre lake offering Northern, Bluegill & Crappie fishing. Built 2006, 2464 SF, 3BR/3BTH home w/new roof this year. 60 x 30 dream garage built 2022 w/in flr heat, huge woodworking shop w/4 sewer pipe installed thru slab for future bath , second flr & metal roof. Cabin features glass front great rm w/natural light pouring in, wd burning fireplace front stove, glass dr to lakefront wrap deck. Hickory kitch w/leathered granite counters & island open to great rm & dining all lakeside. Luxurious main flr suite w/French drs to spa bth. Main flr guest BR & bth. Main flr laundry. Walkout ICF lower level w/BR, sauna bth, rec rm, bar, fireplace front gas stove, glass door to lake. Air cond, open yard for activites w/lakeside firepit patio, stone walks, dock, drilled well, Compliant septic!
MLS# 147160

Courtesy Of Janisch Realty

(218) 780-6644

Property Features

  • Age
    11-20 Years Old
  • Amenities
    Deck, Water Front
  • Appliances
    Dishwasher, Dryer, Microwave, Range, Range - Gas, Refrigerator, Washer, Water - Softener
  • Architecture Style
    Other
  • Fireplace
    Fireplace
  • Heating System
    Fireplace, Forced Air
  • Lot Size
    3.6 Acres
  • Roof Type
    Asphalt
  • Rooms
    Basement, Dining Room, Kitchen, Living Room

Map and Directions

Directions to 6423 Bobcat Ridge Road, Cotton, MN 55724

Home seller CENTURY 21 Atwood

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CENTURY 21 Atwood

(218) 722-8221
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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $3,314
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $3,314

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

South Ridge Elementary School

Grades PK-6 Public School

Culver, MN 55779 21.7 miles
8162 swan lake rd

308 total students
11:1 Student teacher ratio

School Rating: B-

School Details

South Ridge Secondary School

Grades 7-12 Public School

Culver, MN 55779 21.7 miles
8162 swan lake rd

270 total students
15:1 Student teacher ratio

School Rating: C-

School Details

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Cotton, MN 55724

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Cotton, MN 55724

This community’s employment is highest in the sales and food industries. The area’s overall household expenses are above the national average.

78° July
Hottest Average Month
-6° January
Coldest Average Month
405 Total Households in Area
1.2% Increase in population since the year 2010
17.4%
of households
have children
32 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Cotton, MN 55724

Cotton, MN 55724 has a population of 878 people in 405 households with a median age of 54.6 years old.

1.2%
Increase in population
since the year 2010
Population is Trending up
389
Total households as of 2010
3.5%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 54.6 years old. The smallest percentage group is 65-74 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 95%
Hispanic <1%
Native American <1%
Black <1%
Asian <1%
Other <1%
The most prevalent ethnicity is White at 95%, followed by Hispanic at <1%, Native American at <1%, and Black at <1%.

Economics
for Cotton, MN 55724

4 /sq mi
Population Density
$73,189 /yr
Median Household Income
$150,500
Median Sales Price
32 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 19.65% of the households.

Transportation to Work

  • Drive 91%
  • Work from Home 8%
  • Walk or Bike 1%
  • Public Transit 0%

Occupancy by Type

Vacant 424 51%
Owned 384 46%
Rented 21 3%

White vs Blue Collar Jobs







White Collar 63%
Blue Collar 37%

Family & Education Facts
for Cotton, MN 55724

54.6 Median Age

Average Household Size

2.2
persons per
household

55.6%

Married Households

Community Population By Education

High School Graduate 28%
Some College 23%
Associates Degree 15%
Graduate Degree 15%
Bachelors Degree 15%
Some High School 4%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 27.52% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
17.4% of households have children

Weather
for Cotton, MN 55724

The weather for this area ranges from a high of 78° F in July to a low of -6° F in January

78° July
Hottest Average Month
-6° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
-6°
17°
Feb
-1°
24°
Mar
12°
36°
Apr
26°
51°
May
38°
65°
Jun
47°
74°
Jul
52°
78°
Aug
50°
76°
Sep
42°
66°
Oct
32°
53°
Nov
18°
35°
Dec
2°
22°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Range Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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