2406 Birch Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 2406 Birch Point Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.75 ba · 1,574 sqft · built 2017
Lot Size	0.881 acres (38,386 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Sep 2010)
Tax Bill	$9,174 (2026)
Deeds & Mortgages	May 2019 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`387-0070-01430`

Property Details

APN / Parcel Number

Primary APN	`387-0070-01430`
Alternative APN	`904861`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,574 sqft Gross Area
1st Floor Area	1,412 sqft
Basement Area	1,127 sqft
Finished Basement	1,127 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	38,386 sqft (0.881 acres)
Garage Area	484 sqft

Exterior Amenities

Porch	Patio
Porch Area	964 sqft
Deck Area	16 sqft
Cabin	240 sqft
Storage Building	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	904861
Street Address	2406 BIRCH POINT RD
City	TOWER
State	MN
Zip	55790-8105
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOTS 1 2 3 AND LOT 4 EX ELY 10 FT SERIAL #
Legal Subdivision	BIRCH POINT TOWN OF GREENWOOD
Legal Block	14
Legal Lot Number	1-4
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	Individual Name on Record
Mailing Address	4387 BENT TREE LN, SAINT PAUL, MN 55123-3054
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHOICE FINANCIAL GROUP
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHOICE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2010 · Amount on Record
Deed Sale	Sep 20, 2010 · Amount on Record
Deed Document Number	20101143995
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2406 BIRCH POINT RD, TOWER, MN 55790-8105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001354359
Date	May 8, 2019
Instrument	1354359

Lender

Name	CHOICE FINANCIAL GROUP
Type	Lending Institution
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2034

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2406 BIRCH POINT RD, TOWER, MN 55790-8105
Document Number	00A1397492
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2406 BIRCH POINT RD TOWER MN 557908105, TOWER, MN 55790-8105

Mortgage

Document Number	00A1397492
Date	Dec 3, 2020
Instrument	A1397492

Lender

Name	CHOICE FIN'L
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 2, 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	$9,174.00 (+23.97%)
2025	$7,400.00 (+4.49%)	$1,051,600 (+30.36%) Land $406,300 Building $645,300	$1,051,600 (+30.36%) Land $406,300 Building $645,300
2024	$7,082.00	$806,700 (+18.02%) Land $311,900 Building $494,800	$806,700 (+18.02%) Land $311,900 Building $494,800
2022		$683,500 Land $254,900 Building $428,600	$683,500 Land $254,900 Building $428,600

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 98% of the US · lower than 92% 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	90 / 5

May also be available: AT&T, CTC, T-Mobile, Verizon.

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