1903 Westhaven Dr, Tower, MN 55790 Property Records

St. Louis County property record for 1903 Westhaven Dr, Tower, MN 55790

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 3 ba · 1,946 sqft · built 2020
Lot Size	0.484 acres (21,090 sqft)
Owner	Individual Name on Record
Last Sale	$139,900 (Jun 2004)
Tax Bill	$9,674 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`387-0065-00220`

Property Details

APN / Parcel Number

Primary APN	`387-0065-00220`
Alternative APN	`1120412`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,946 sqft Gross Area
1st Floor Area	1,946 sqft
Basement Area	1,800 sqft
Finished Basement	1,800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Frame
Lot Area	21,090 sqft (0.484 acres)
Garage Area	2,106 sqft

Exterior Amenities

Porch	Slab
Deck Area	200 sqft
Boat House	520 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1120412
Street Address	1903 WESTHAVEN DR
City	TOWER
State	MN
Zip	55790-8615
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT 22 EX SLY 475 FT AND LOT 23 EX SLY475 FT AND EX THAT PART OF SAID LOT 23BEG ON E LINE OF LOT 24 709.91 FT N OFSE CORNER
Legal Subdivision	BAYVIEW
Legal Lot Number	23
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1256
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	1903 WESTHAVEN DR, TOWER, MN 55790-8615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit ALERUS FINANCIAL NA
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALERUS FINANCIAL NA
Sep 30, 2020	Grant Deed, Construction Loan · Line of Credit STAR BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2004 · Amount on Record
Deed Sale	Jun 3, 2004 · Amount on Record
Deed Document Number	2004945699
Last Transfer Date	Sep 28, 2020
Transfer Doc	0001391740
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1903 WESTHAVEN DR, TOWER, MN 55790-8615
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001430655
Date	Nov 22, 2021
Instrument	1430655

Lender

Name	ALERUS FINANCIAL NA
Type	Bank
Address	GRAND FORKS, ND 58201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1903 WESTHAVEN DR, TOWER, MN 55790-8615
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001430654
Date	Nov 22, 2021
Instrument	1430654

Lender

Name	ALERUS FINANCIAL NA
Type	Bank
Address	HOPKINS, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 30, 2020
Property Address	1903 WESTHAVEN DR, TOWER, MN 55790-8615
Document Number	00A1391740
Instrument Date	Sep 28, 2020
Instrument	A1391740
Transaction Type	Construction Loan
Record Updated	Oct 16, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9540 XYLON AVE S MINNEAPOLIS MN 554381632, MINNEAPOLIS, MN 55438-1632

Mortgage

Document Number	A1391741
Date	Sep 30, 2020
Instrument	A1391741

Lender

Name	STAR BK
Type	Bank
Address	EDEN PRAIRIE, MN 55344-7819

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$9,674.00 (+13.81%) Homeowner's exemption
2025	$8,500.00 (+2.76%) Homeowner's exemption	$1,035,700 (+4.32%) Land $304,200 Building $731,500	$1,035,700 (+4.32%) Land $304,200 Building $731,500
2024	$8,272.00	$992,800 (+18.68%) Land $276,900 Building $715,900	$992,800 (+18.68%) Land $276,900 Building $715,900
2022		$836,500 Land $228,300 Building $608,200	$836,500 Land $228,300 Building $608,200

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 99.1% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 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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