2239 Birch Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 2239 Birch Point Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 876 sqft
Lot Size	0.425 acres (18,515 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Aug 2025)
Tax Bill	$4,364 (2026)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`387-0040-00140`

Property Details

APN / Parcel Number

Primary APN	`387-0040-00140`
Alternative APNs	`1085294` `1185935`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	876 sqft Gross Area
1st Floor Area	876 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	18,515 sqft (0.425 acres)
Garage Area	1,980 sqft

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	Deck Area
Storage Building	30 sqft
Boat House	520 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1185935
Street Address	2239 BIRCH POINT RD
City	TOWER
State	MN
Zip	55790-8114
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT: 0004 BLOCK:002 SERIAL #
Legal Subdivision	ANITA BEACH
Legal Block	2
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1255
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	2 Individual Names on Record
Mailing Address	2239 BIRCH POINT RD, TOWER, MN 55790-8114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2020	Warranty Deed, Transfer · Conventional Mortgage WINGS FIN'L CU
Nov 13, 2018	Warranty Deed, Transfer · VA Mortgage PRIMELENDING
Sep 10, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on Record
Deed Sale	Aug 5, 2025 · Amount on Record
Prior Sale	Feb 5, 2020 · Amount on Record
Deed Document Number	20251092796
Prior Transfer Date	May 24, 2017
Prior Transfer Doc	0000985467
Record Updated	Sep 20, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 5, 2020
Property Address	2239 BIRCH POINT RD, TOWER, MN 55790-8114
Document Number	00T1020276
Instrument Date	Jan 23, 2020
Instrument	T1020276
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,254.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3056 ARDEN PL WOODBURY MN 551295211, WOODBURY, MN 55129-5211

Mortgage

Document Number	T1020277
Date	Feb 5, 2020
Instrument	T1020277

Lender

Name	WINGS FIN'L CU
Address	APPLE VALLEY, MN 55124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 13, 2018
Property Address	2239 BIRCH POINT RD, TOWER, MN 55790-8114
Document Number	0001004905
Instrument Date	Oct 25, 2018
Instrument	1004905
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,178.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2239 BIRCH POINT RD TOWER MN 55790, TOWER, MN 55790

Mortgage

Document Number	1004906
Date	Nov 13, 2018
Instrument	1004906

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 10, 2018
Property Address	2239 BIRCH POINT RD, TOWER, MN 55790-8114
Document Number	00A1340282
Instrument Date	Aug 31, 2018
Instrument	A1340282
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,980.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1306 16TH AVE SE FOREST LAKE MN 550253908, FOREST LAKE, MN 55025-3908

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	$4,364.00 (+11.33%)
2025	$3,920.00 (+4.81%)	$573,100 (+23.04%) Land $247,300 Building $325,800	$573,100 (+23.04%) Land $247,300 Building $325,800
2024	$3,740.00	$465,800 (+18.61%) Land $179,500 Building $286,300	$465,800 (+18.61%) Land $179,500 Building $286,300
2022		$392,700 Land $149,300 Building $243,400	$392,700 Land $149,300 Building $243,400

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 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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