1158 Lagoon Rd, Tower, MN 55790 Property Records

St. Louis County property record for 1158 Lagoon Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1.75 ba · 1,792 sqft · built 1999
Lot Size	0.982 acres (42,785 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Nov 2019)
Tax Bill	$4,126 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`387-0335-00230`

Property Details

APN / Parcel Number

Primary APN	`387-0335-00230`
Alternative APN	`1081677`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,792 sqft Gross Area
1st Floor Area	1,792 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2010
Architectural Style	Rustic
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	42,785 sqft (0.982 acres)
Garage Area	840 sqft
Porch	Slab
Deck Area	32 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	1081677
Street Address	1158 LAGOON RD
City	TOWER
State	MN
Zip	55790-8138
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOTS 23 AND 24 SERIAL #
Legal Subdivision	SACRED HEART OF JESUS BEACH 1S
Legal Lot Number	23-24
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	Individual Name on Record
Mailing Address	26506 96TH ST NW, ZIMMERMAN, MN 55398-4067
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage SHERBURNE STATE BANK
Nov 27, 2019	Warranty Deed, Transfer · Conventional Mortgage SHERBURNE ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Deed Document Number	20191368598
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1158 LAGOON RD, TOWER, MN 55790-8138
Transaction Type	Mortgage
Record Updated	Sep 3, 2021
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001410932
Date	Apr 20, 2021
Instrument	1410932

Lender

Name	SHERBURNE STATE BANK
Type	Bank
Address	BECKER, MN 55308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 27, 2019
Property Address	1158 LAGOON RD, TOWER, MN 55790-8138
Document Number	00A1368598
Instrument Date	Nov 15, 2019
Instrument	A1368598
Transaction Type	Transfer
Record Updated	Dec 26, 2019
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$957.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	26506 96TH ST NW ZIMMERMAN MN 553984067, ZIMMERMAN, MN 55398-4067

Mortgage

Document Number	A1368599
Date	Nov 27, 2019
Instrument	A1368599

Lender

Name	SHERBURNE ST BK
Type	Bank
Address	BECKER, MN 55308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

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	$4,126.00 (+22.36%)
2025	$3,372.00 (+0.12%)	$441,700 (+10.43%) Land $157,200 Building $284,500	$441,700 (+10.43%) Land $157,200 Building $284,500
2024	$3,368.00	$400,000 (+13.96%) Land $155,600 Building $244,400	$400,000 (+13.96%) Land $155,600 Building $244,400
2022		$351,000 Land $138,900 Building $212,100	$351,000 Land $138,900 Building $212,100

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 66% of the US · above 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 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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