St. Louis County property record for 2047 Cottage Ln, Tower, MN 55790
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,371 sqft · built 1988 |
| Lot Size | 0.421 acres (18,345 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $7,628 (2026) |
| Deeds & Mortgages | Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 387-0080-00050 |
| Primary APN | 387-0080-00050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,371 sqft Gross Area |
| 1st Floor Area | 1,141 sqft |
| Basement Area | 960 sqft |
| Finished Basement | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Logs |
| Construction Type | Frame |
| Lot Area | 18,345 sqft (0.421 acres) |
| Garage Area | 336 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 40 sqft |
| Deck Area | 208 sqft |
| Storage Building | 16 sqft |
| Pole Barn | 1,350 sqft |
| Boat House | 520 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1096435 |
|---|---|
| Street Address | 2047 COTTAGE LN |
| City | TOWER |
| State | MN |
| Zip | 55790 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | LOTS 3, 4, 5 AND 6 EX SLY 225 FT SERIAL # |
| Legal Subdivision | BIRCHWOOD T OF GREENWOOD |
| Legal Lot Number | 5 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GREENWOOD |
| Census Block Group | 1 |
| Census Block | 1256 |
| Census Tract | 15502 |
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 | 4426 CHASE OAKS DR, SARASOTA, FL 34241-9456 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2047 COTTAGE LN, TOWER, MN 55790 |
| Document Number | 00A1360341 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | UP N TITLE LLC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2043 COTTAGE LN TOWER MN 557908126, TOWER, MN 55790-8126 |
| Document Number | 00A1360341 |
|---|---|
| Date | Aug 8, 2019 |
| Instrument | A1360341 |
| Name | AMERICAN BK/THE NORTH |
|---|---|
| Type | Bank |
| Address | MOUNTAIN IRON, MN 55768 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 7, 2029 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Greenwood Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,628.00 (+23.47%) | ||
| 2025 | $6,178.00 (+9.07%) | $777,800 (+12.82%) Land $362,800 Building $415,000 | $777,800 (+12.82%) Land $362,800 Building $415,000 |
| 2024 | $5,664.00 | $689,400 (+23.02%) Land $334,600 Building $354,800 | $689,400 (+23.02%) Land $334,600 Building $354,800 |
| 2022 | $560,400 Land $274,600 Building $285,800 | $560,400 Land $274,600 Building $285,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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