St. Louis County property record for 2049 Cottage Ln, Tower, MN 55790
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft |
| Lot Size | 0.719 acres (31,321 sqft) |
| Owner | Company Name on Record |
| Last Sale | $3,000 (Feb 2022) |
| Tax Bill | $3,062 (2026) |
| Deeds & Mortgages | Feb 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 387-0080-00015 |
| Primary APN | 387-0080-00015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Gross Area |
| 1st Floor Area | 720 sqft |
| Architectural Style | Rustic |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 31,321 sqft (0.719 acres) |
| Garage Area | 1,024 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 125 sqft |
| Deck Area | 64 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Heating Fuel | Electric |
|---|
| Account Number | 1125541 |
|---|---|
| Street Address | 2049 COTTAGE LN |
| City | TOWER |
| State | MN |
| Zip | 55790-8126 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | PART OF LOTS 1 & 2 LYING N OF SLY 453.72FT INC N 433 FT OF VAC RD ADJ W OF LOT 1 SERIAL # |
| Legal Subdivision | BIRCHWOOD T OF GREENWOOD |
| Legal Lot Number | 1-2 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 3431 RAYFORD RD, 200, SPRING, TX 77386-4943 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2022 · Amount on Record |
| Deed Sale | Feb 1, 2022 · Amount on Record |
| Prior Sale | Dec 18, 2003 · Amount on Record |
| Deed Document Number | 20221436655 |
| Prior Transfer Date | Jan 20, 2022 |
| Prior Transfer Doc | 0001436655 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 1, 2022 |
| Property Address | 2049 COTTAGE LN, TOWER, MN 55790-8126 |
| Document Number | 0001436655 |
| Instrument Date | Jan 20, 2022 |
| Instrument | 1436655 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 3431 RAYFORD RD # 200, 200, SPRING, TX 77386-3649 |
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 | $3,062.00 (+17.14%) | ||
| 2025 | $2,614.00 (+3.4%) | $337,300 (+9.19%) Land $202,700 Building $134,600 | $337,300 (+9.19%) Land $202,700 Building $134,600 |
| 2024 | $2,528.00 | $308,900 (+17.95%) Land $180,200 Building $128,700 | $308,900 (+17.95%) Land $180,200 Building $128,700 |
| 2022 | $261,900 Land $150,400 Building $111,500 | $261,900 Land $150,400 Building $111,500 |
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 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.
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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