1123 Lagoon Rd, Tower, MN 55790 Property Records

St. Louis County property record for 1123 Lagoon Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 bd · 1 ba · 1,761 sqft
Lot Size	0.394 acres (17,177 sqft)
Owner	Company Name on Record
Last Sale	$268,000 (Dec 2016)
Tax Bill	$3,688 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`387-0335-00020`

Property Details

APN / Parcel Number

Primary APN	`387-0335-00020`
Alternative APN	`1086940`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,761 sqft Gross Area
1st Floor Area	1,374 sqft

Exterior

Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	17,177 sqft (0.394 acres)
Garage Area	864 sqft
Deck Area	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1086940
Street Address	1123 LAGOON RD
City	TOWER
State	MN
Zip	55790-8139
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOTS 2 AND 3 SERIAL #
Legal Subdivision	SACRED HEART OF JESUS BEACH 1S
Legal Lot Number	2-3
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1299
Census Tract	15502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4003 S RUST RD, GRAIN VALLEY, MO 64029-9227
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage JAMES B NUTTER & CO
Mar 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2016 · Amount on Record
Deed Sale	Dec 21, 2016 · Amount on Record
Prior Sale	Oct 8, 2003 · Amount on Record
Deed Document Number	20161300581
Prior Transfer Date	Dec 27, 2007
Prior Transfer Doc	0001071904
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1123 LAGOON RD, TOWER, MN 55790-8139
Document Number	00A1401398
Instrument Date	Jan 8, 2021
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1123 LAGOON RD TOWER MN 557908139, TOWER, MN 55790-8139

Mortgage

Document Number	00A1401398
Date	Jan 19, 2021
Instrument	A1401398

Lender

Name	JAMES B NUTTER & CO
Type	Funding / Finance Company
Address	KANSAS CITY, MO 64111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2051

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 19, 2020
Property Address	1123 LAGOON RD, TOWER, MN 55790-8139
Document Number	00A1376237
Instrument Date	Feb 20, 2020
Instrument	A1376237
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4003 S RUST RD GRAIN VALLEY MO 640299227, GRAIN VALLEY, MO 64029-9227

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Greenwood Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,688.00 (+13.76%)
2025	$3,242.00 (-1.22%)	$395,800 (+2.97%) Land $169,300 Building $226,500	$395,800 (+2.97%) Land $169,300 Building $226,500
2024	$3,282.00	$384,400 (+12.3%) Land $167,400 Building $217,000	$384,400 (+12.3%) Land $167,400 Building $217,000
2022		$342,300 Land $149,500 Building $192,800	$342,300 Land $149,500 Building $192,800

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 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

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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