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114 3rd St N, Tower, MN 55790 Property Records

St. Louis County property record for 114 3rd St N, Tower, MN 55790

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 931 sqft · built 1975
Lot Size0.241 acres (10,497 sqft)
OwnerIndividual Name on Record
Last Sale$35,000 (Jun 2025)
Tax Bill$1,210 (2026)
Deeds & MortgagesOct 2020 Loan Modification
Mar 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN080-0010-00070

Property Details

APN / Parcel Number

Primary APN080-0010-00070
Alternative APNs
  • 1184261
  • 112787

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms2 Rooms
Stories1 Story
Building Area931 sqft Gross Area
1st Floor Area770 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area10,497 sqft (0.241 acres)
Garage Area384 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelPropane

Location & Zoning

Account Number1184261
Street Address114 3RD ST N
CityTOWER
StateMN
Zip55790-0010
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWEST 1/2 OF LOT 6 AND ALL OF LOT 7, BLOCK 2 SERIAL #
Legal SubdivisionTOWER
Legal Block2
Legal Lot Number6-7
JurisdictionST LOUIS MN
Township / Civil DivisionTOWER
Census Block Group2
Census Block2041
Census Tract15402

Owner

Source: St. Louis County records, as of September 22, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address5918 TIMBER TRL SE, PRIOR LAKE, MN 55372-2020
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
Oct 7, 2020Loan Modification, Mortgage · Conventional Mortgage
EMBARRASS VERMILLION FCU
Mar 29, 2017Loan Modification, Mortgage · Conventional Mortgage
EMBARRASS VERMILLION FCU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 30, 2025 · Amount on Record
Deed SaleJun 30, 2025 · Amount on Record
Prior SaleNov 7, 2024 · Amount on Record
Deed Document Number20251513015
Prior Transfer DateNov 6, 2024
Prior Transfer Doc0001499011
Record UpdatedOct 29, 2026

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST LOUIS MN
Property Address114 3RD ST N, TOWER, MN 55790-0010
Document Number00A1395665
Instrument DateOct 7, 2020
Transaction TypeMortgage
Record UpdatedDec 4, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife

Mortgage

Document Number00A1395665
DateNov 10, 2020
InstrumentA1395665
Lender
NameEMBARRASS VERMILLION FCU
TypeCredit Union
AddressAURORA, MN 55705
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term36 Months
DueNov 9, 2023
Interest
Rate5.75%

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST LOUIS MN
Property Address114 3RD ST N, TOWER, MN 55790-0010
Document Number00A1307810
Instrument DateMar 29, 2017
Transaction TypeMortgage
Record UpdatedMay 18, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife

Mortgage

Document Number00A1307810
DateApr 21, 2017
InstrumentA1307810
Lender
NameEMBARRASS VERMILLION FCU
TypeCredit Union
AddressTOWER, MN 55790
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term36 Months
DueApr 20, 2020
Interest
Rate5.75%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityTower City
Unified School DistrictSt. Louis County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,210.00 (-50.47%)
2025$58,500 (+3.54%) Land $8,900 Building $49,600$58,500 (+3.54%) Land $8,900 Building $49,600
2024$2,443.00$56,500 (+29.29%) Land $8,900 Building $47,600$56,500 (+29.29%) Land $8,900 Building $47,600
2022$43,700 Land $8,100 Building $35,600$43,700 Land $8,100 Building $35,600

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 54% of the US · above 81% of Minnesota
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTower
serves 426 people · EPA ID MN1690051
Water SourcePurchased groundwater influenced by surface water from Breitung
Last State InspectionMar 2026
LeadUnder 1 ppb (2026)
action level 15 ppb
Copper2.37 mg/L (2025)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Midco
Cable		2,000 / 350
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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