2524 Birch Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 2524 Birch Point Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1.5 ba · 696 sqft · built 1965
Lot Size	0.361 acres (15,734 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Apr 2020)
Tax Bill	$3,034 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`387-0075-00360`

Property Details

APN / Parcel Number

Primary APN	`387-0075-00360`
Alternative APN	`1088556`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	696 sqft Gross Area
1st Floor Area	576 sqft
Basement Area	518 sqft
Finished Basement	518 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Other
Construction Type	Frame
Lot Area	15,734 sqft (0.361 acres)
Deck Area	96 sqft
Storage Building	208 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1088556
Street Address	2524 BIRCH POINT RD
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 36 AND THAT PART OF LOT 35 DESC ASFOLLOWS: COMMENCING AT THE NWLY ENDPOINT OFTHE BOUNDARY LINE COMMON TO LOTS 35 AND 36OF
Legal Subdivision	BIRCH POINT 1ST ADD T OF GREEN
Legal Lot Number	36
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1255
Census Tract	15502

Owner

Source: St. Louis County records · APN 387-0075-00360

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	7424 ELY LAKE DR, EVELETH, MN 55734-4009
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE MINERS NATIONAL BANK OF EVELETH
Oct 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE MINERS NATIONAL BANK OF EVELETH
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MINERS NATIONAL BANK OF EVELETH
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MINERS NATIONAL BANK OF EVELETH
Apr 24, 2020	Warranty Deed, Transfer · Conventional Mortgage MINERS NAT'L BK/EVELETH
Apr 23, 2020	Warranty Deed, Transfer · Conventional Mortgage MINERS NAT'L BK/EVELETH

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 24, 2020 · Amount on Record
Deed Sale	Apr 24, 2020 · Amount on Record
Prior Sale	Apr 23, 2020 · Amount on Record
Deed Document Number	20201378066
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2524 BIRCH POINT RD, TOWER, MN 55790
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001454269
Date	Oct 14, 2022
Instrument	1454269

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Sep 29, 2027
Change Frequency	6 Months
Min Rate At Change	5.87%
Max Rate At Change	8.87%
Index	Other
Max Rate	15.8%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2524 BIRCH POINT RD, TOWER, MN 55790
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001062286
Date	Oct 10, 2022
Instrument	1062286

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Sep 29, 2027
Change Frequency	6 Months
Min Rate At Change	5.87%
Max Rate At Change	8.87%
Index	Other
Max Rate	15.8%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2524 BIRCH POINT RD, TOWER, MN 55790
Transaction Type	Mortgage
Record Updated	Jun 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001414739
Date	May 24, 2021
Instrument	1414739

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 10, 2022

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2524 BIRCH POINT RD, TOWER, MN 55790
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001040676
Date	May 14, 2021
Instrument	1040676

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 10, 2022

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 24, 2020
Property Address	2524 BIRCH POINT RD, TOWER, MN 55790
Document Number	00A1378066
Instrument Date	Apr 17, 2020
Instrument	A1378066
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
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	1005 WASHINGTON ST EVELETH MN 557341731, EVELETH, MN 55734-1731

Mortgage

Document Number	A1378067
Date	Apr 24, 2020
Instrument	A1378067

Lender

Name	MINERS NAT'L BK/EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 23, 2030

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 23, 2020
Property Address	2524 BIRCH POINT RD, TOWER, MN 55790
Document Number	00T1022683
Instrument Date	Apr 17, 2020
Instrument	T1022683
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
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	1005 WASHINGTON ST EVELETH MN 557341731, EVELETH, MN 55734-1731

Mortgage

Document Number	T1022684
Date	Apr 23, 2020
Instrument	T1022684

Lender

Name	MINERS NAT'L BK/EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 22, 2030

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,034.00 (+39.82%)
2025	$2,170.00 (+8.5%)	$398,800 (+49.98%) Land $137,000 Building $261,800	$398,800 (+49.98%) Land $137,000 Building $261,800
2024	$2,000.00	$265,900 (+56.14%) Land $99,400 Building $166,500	$265,900 (+56.14%) Land $99,400 Building $166,500
2022		$170,300 Land $87,600 Building $82,700	$170,300 Land $87,600 Building $82,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

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

Based on FCC filings for 34 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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