2225 Birch Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 2225 Birch Point Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 1,196 sqft · built 2014
Lot Size	0.599 acres (26,132 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Oct 2018)
Tax Bill	$5,910 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`387-0305-00015`

Property Details

APN / Parcel Number

Primary APN	`387-0305-00015`
Alternative APN	`1060469`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,196 sqft Gross Area
1st Floor Area	832 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Lot Area	26,132 sqft (0.599 acres)
Garage Area	2,680 sqft

Exterior Amenities

Porch	Slab
Porch Area	260 sqft
Deck Area	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1060469
Street Address	2225 BIRCH POINT RD
City	TOWER
State	MN
Zip	55790-8114
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	WLY 1/2 SERIAL #
Legal Subdivision	NORTH COUNTRY PLACE SECOND ADDITION
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1271
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	6116 SHERMAN CIR, MINNEAPOLIS, MN 55436-1954
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAKE AREA MTG
Oct 11, 2018	Deed of Trust, Mortgage · Conventional with PMI LAKE AREA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	20181343456
Prior Transfer Date	Aug 28, 2014
Prior Transfer Doc	0001244930
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jun 30, 2026
Property Address	2225 BIRCH POINT RD, TOWER, MN 55790-8114
Document Number	0001535301
Instrument Date	Jun 15, 2026
Instrument	20261535301
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2225 BIRCH POINT RD, TOWER, MN 55790-8114

Mortgage

Document Number	0001535301,
Date	Jun 30, 2026
Instrument	20261535301

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2225 BIRCH POINT RD, TOWER, MN 55790-8114
Document Number	00A1370175
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	REGISTERED ABSTRACTERS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2225 BIRCH POINT RD TOWER MN 557908114, TOWER, MN 55790-8114

Mortgage

Document Number	00A1370175
Date	Dec 24, 2019
Instrument	A1370175

Lender

Name	LAKE AREA MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2225 BIRCH POINT RD, TOWER, MN 55790-8114
Document Number	00A1343457
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Nov 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2225 BIRCH POINT RD TOWER MN 557908114, TOWER, MN 55790-8114

Mortgage

Document Number	00A1343457
Date	Oct 26, 2018
Instrument	A1343457

Lender

Name	LAKE AREA MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2048

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	$5,910.00 (+18.01%)
2025	$5,008.00 (+4.77%)	$716,000 (+24.07%) Land $192,700 Building $523,300	$716,000 (+24.07%) Land $192,700 Building $523,300
2024	$4,780.00	$577,100 (+15.72%) Land $134,000 Building $443,100	$577,100 (+15.72%) Land $134,000 Building $443,100
2022		$498,700 Land $114,800 Building $383,900	$498,700 Land $114,800 Building $383,900

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 97% of the US · lower than 89% 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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