1224 Birch St N, Tower, MN 55790 Property Records

St. Louis County property record for 1224 Birch St N, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 2,945 sqft · built 2006
Lot Size	1.25 acres (54,568 sqft)
Owner	2 Individual Names on File
Last Sale	$339,500 (Jul 2026)
Tax Bill	$3,148 (2026)
Deeds & Mortgages	Jul 2026 Sale Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-0030-00050`

Property Details

APN / Parcel Number

Primary APN	`080-0030-00050`
Alternative APN	`1123343`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,945 sqft Gross Area
1st Floor Area	2,945 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	54,568 sqft (1.25 acres)
Garage Area	1,140 sqft

Exterior Amenities

Porch	Slab
Porch Area	15 sqft
Deck Area	24 sqft
Cabin	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1123343
Street Address	1224 BIRCH ST N
City	TOWER
State	MN
Zip	55790-2800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLOCK 1 SERIAL #
Legal Subdivision	NORTHSTAR ADDITION
Legal Block	1
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2031
Census Tract	15402

Owner

1224 Birch St N is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1224 BIRCH ST N, TOWER, MN 55790-2800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Jul 1, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage MANN MORTGAGE LLC
Jun 12, 2020	Warranty Deed, Transfer · VA Mortgage REGENT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Dec 20, 2021 · Amount on File
Deed Document Number	20261535347
Prior Transfer Date	Nov 25, 2016
Prior Transfer Doc	0001299404
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 1, 2026
Property Address	1224 BIRCH ST N, TOWER, MN 55790-2800
Document Number	0001535347
Instrument Date	May 26, 2026
Instrument	20261535347
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$113,155.35
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1224 BIRCH ST N, TOWER, MN 55790-2800

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 20, 2021
Property Address	1224 BIRCH ST N, TOWER, MN 55790-2800
Document Number	0001433110
Instrument Date	Dec 9, 2021
Instrument	1433110
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$973.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 BIRCH ST N, TOWER, MN 55790-2800

Mortgage

Document Number	0001433111
Date	Dec 20, 2021
Instrument	1433111

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 12, 2020
Property Address	1224 BIRCH ST N, TOWER, MN 55790-2800
Document Number	00A1382303
Instrument Date	Mar 6, 2020
Instrument	A1382303
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
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	1224 BIRCH ST N TOWER MN 557908226, TOWER, MN 55790-8226

Mortgage

Document Number	A1382304
Date	Jun 12, 2020
Instrument	A1382304

Lender

Name	REGENT FIN'L
Type	Funding / Finance Company
Address	OMAHA, NE 68124

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1224 Birch St N was $3,148 with a homeowner's exemption, up 656.7% 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
Municipality	Tower City
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,148.00 (+656.73%) Homeowner's exemption
2025	$416.00 (-90.41%) Homeowner's exemption	$388,300 (+27.73%) Land $31,400 Building $356,900	$388,300 (+27.73%) Land $31,400 Building $356,900
2024	$4,340.00	$304,000 Land $31,400 Building $272,600	$304,000 Land $31,400 Building $272,600
2022		$271,600 Land $28,200 Building $243,400	$271,600 Land $28,200 Building $243,400

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

Flood

FEMA maps place 1224 Birch St N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 1224 Birch St N is moderate, ranking above 52% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 80% of Minnesota
Wildfire Likelihood	0.08% annual chance
Exposure	Direct 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 System	Tower serves 426 people · EPA ID MN1690051
Water Source	Purchased groundwater influenced by surface water from Breitung
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	2.37 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CTC.

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