2065 Co Rd 77, Tower, MN 55790 Property Records

St. Louis County property record for 2065 Co Rd 77, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 1,560 sqft
Lot Size	0.942 acres (41,054 sqft)
Owner	Company Name on Record
Tax Bill	$3,186 (2026)
Deeds & Mortgages	Jan 2026 Transfer Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`387-0410-00120`

Property Details

APN / Parcel Number

Primary APN	`387-0410-00120`
Alternative APNs	`1100396` `1193979`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,560 sqft Gross Area
1st Floor Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	41,054 sqft (0.942 acres)
Garage Area	3,760 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	1193979
Street Address	2065 COUNTY ROAD 77
City	TOWER
State	MN
Zip	55790-8129
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT: 012 SERIAL #
Legal Subdivision	VALHALLA BEACH T OF GREENWOOD
Legal Lot Number	12
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 19, 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	2065 COUNTY ROAD 77, TOWER, MN 55790-8129
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Intrafamily Transfer, Transfer
Nov 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 29, 2021
Transfer Doc	0001526957
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jan 29, 2026
Property Address	2065 COUNTY ROAD 77, TOWER, MN 55790-8129
Document Number	0001526957
Instrument Date	Mar 29, 2021
Instrument	1526957
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2065 COUNTY ROAD 77, TOWER, MN 55790-8129

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 30, 2020
Property Address	2065 COUNTY ROAD 77, TOWER, MN 55790-8129
Document Number	00A1396977
Instrument Date	Nov 6, 2020
Instrument	A1396977
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	UP N TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,733.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2065 COUNTY ROAD 77 TOWER MN 557908129, TOWER, MN 55790-8129

Mortgage

Document Number	A1396979
Date	Nov 30, 2020
Instrument	A1396979

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	GRAND FORKS, ND 58203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 29, 2035

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	$3,186.00 (+24.45%)
2025	$2,560.00 (+28%)	$351,100 (+16.03%) Land $187,500 Building $163,600	$351,100 (+16.03%) Land $187,500 Building $163,600
2024	$2,000.00	$302,600 (-19.93%) Land $168,600 Building $134,000	$302,600 (-19.93%) Land $168,600 Building $134,000
2022		$377,900 Land $141,200 Building $236,700	$377,900 Land $141,200 Building $236,700

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 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.

Wildfire

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

Wildfire Risk	Low lower than 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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