1603 Merganser Dr, Tower, MN 55790 Property Records

St. Louis County property record for 1603 Merganser Dr, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 884 sqft · built 2018
Lot Size	0.728 acres (31,744 sqft)
Owner	Individual Name on Record
Last Sale	$107,500 (May 2018)
Tax Bill	$4,118 (2026)
Deeds & Mortgages	May 2019 Line of Credit May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`270-0070-00410`

Property Details

APN / Parcel Number

Primary APN	`270-0070-00410`
Alternative APN	`779727`

Interior

Bedrooms	2 Beds
Total Rooms	2 Rooms
Stories	1 Story
Building Area	884 sqft Gross Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	31,744 sqft (0.728 acres)
Deck Area	18 sqft
Storage Building	56 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	779727
Street Address	1603 MERGANSER DR
City	TOWER
State	MN
Zip	55790-7402
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 41, EXCEPT THAT PART OF LOT 41, DESCRIBEDAS FOLLOWS: ASSUMING THE BOUNDARY BETWEENLOTS 40 AND 41 TO LIE DUE EAST AND
Legal Subdivision	ECHO POINT LAKE VERMILION
Legal Lot Number	40-41
Jurisdiction	ST LOUIS MN
Township / Civil Division	BREITUNG
Census Block Group	2
Census Block	2016
Census Tract	15402

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	4766 SARANPAA RD, EMBARRASS, MN 55732-8600
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2019	Deed of Trust, Mortgage · Line of Credit AMERICAN BK/THE NORTH
May 3, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2018 · Amount on Record
Deed Sale	May 3, 2018 · Amount on Record
Deed Document Number	20181332127
Prior Transfer Date	Jan 20, 2009
Prior Transfer Doc	0001100813
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1603 MERGANSER DR, TOWER, MN 55790
Document Number	00A1354776
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4766 SARANPAA RD EMBARRASS MN 557328600, EMBARRASS, MN 55732-8600

Mortgage

Document Number	00A1354776
Date	May 16, 2019
Instrument	A1354776

Lender

Name	AMERICAN BK/THE NORTH
Type	Bank
Address	MT LRON, MN 55768

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2029

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 3, 2018
Property Address	1603 MERGANSER DR, TOWER, MN 55790
Document Number	00A1332127
Instrument Date	Apr 5, 2018
Instrument	A1332127
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$354.75
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	4766 SARANPAA RD EMBARRASS MN 557328600, EMBARRASS, MN 55732-8600

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	Breitung Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,118.00 (+9.99%)
2025	$3,744.00 (+7.16%)	$374,900 (+15.92%) Land $201,100 Building $173,800	$374,900 (+15.92%) Land $201,100 Building $173,800
2024	$3,494.00	$323,400 (+13.71%) Land $185,200 Building $138,200	$323,400 (+13.71%) Land $185,200 Building $138,200
2022		$284,400 Land $167,400 Building $117,000	$284,400 Land $167,400 Building $117,000

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not 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 Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	VERMILION tribal government · serves 450 people · EPA ID 055294402
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Jan 2024
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Oct 2025
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Frontier, Verizon.

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