2538 Birch Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 2538 Birch Point Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.75 ba · 1,144 sqft · built 1990
Lot Size	0.724 acres (31,560 sqft)
Owner	Individual Name on Record
Last Sale	$659,000 (Jul 2023)
Tax Bill	$5,104 (2026)
Deeds & Mortgages	Jul 2023 Sale Jul 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`387-0075-00480`

Property Details

APN / Parcel Number

Primary APN	`387-0075-00480`
Alternative APNs	`1091244` `1151957`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,144 sqft Gross Area
1st Floor Area	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2015
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	31,560 sqft (0.724 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Deck Area	48 sqft
Storage Building	110 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1151957
Street Address	2538 BIRCH POINT RD
City	TOWER
State	MN
Zip	55790-8100
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOTS 48 & 49 SERIAL #
Legal Subdivision	BIRCH POINT FIRST ADDITION
Legal Lot Number	48-49
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	2538 BIRCH POINT RD, TOWER, MN 55790-8100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Warranty Deed, Transfer MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC
Jul 26, 2023	Warranty Deed, Transfer MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC
Oct 6, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 6, 2020	Correction Deed, Transfer ATTORNEY ONLY
Sep 26, 2018	Warranty Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	Jul 26, 2023 · Amount on Record
Deed Document Number	20231470887
Prior Transfer Date	Feb 26, 2002
Prior Transfer Doc	0000721715
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 27, 2023
Property Address	2538 BIRCH POINT RD, TOWER, MN 55790-8100
Document Number	0001470887
Instrument Date	Jul 17, 2023
Instrument	1470887
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$2,174.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2538 BIRCH POINT RD, TOWER, MN 55790-8100

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 26, 2023
Property Address	2538 BIRCH POINT RD, TOWER, MN 55790-8100
Document Number	0001070574
Instrument Date	Jul 17, 2023
Instrument	1070574
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$2,174.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2538 BIRCH POINT RD, TOWER, MN 55790-8100

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 6, 2020
Property Address	2538 BIRCH POINT RD, TOWER, MN 55790-8100
Document Number	00T1029957
Instrument Date	Mar 17, 2020
Instrument	T1029957
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2538 BIRCH POINT RD TOWER MN 557908100, TOWER, MN 55790-8100

October 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 6, 2020
Property Address	2538 BIRCH POINT RD, TOWER, MN 55790-8100
Document Number	00A1392095
Instrument Date	Mar 17, 2020
Instrument	A1392095
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2538 BIRCH POINT RD TOWER MN 557908100, TOWER, MN 55790-8100

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 26, 2018
Property Address	2538 BIRCH POINT RD, TOWER, MN 55790-8100
Document Number	00A1341501
Instrument Date	Sep 14, 2018
Instrument	A1341501
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$719.40
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	2538 BIRCH POINT RD TOWER MN 557908100, TOWER, MN 55790-8100

Mortgage

Document Number	A1341504
Date	Sep 26, 2018
Instrument	A1341504

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 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	$5,104.00 (+17.77%)
2025	$4,334.00 (+27.02%)	$633,900 (+23.74%) Land $237,500 Building $396,400	$633,900 (+23.74%) Land $237,500 Building $396,400
2024	$3,412.00 (+3.14%)	$512,300 (+43.22%) Land $177,700 Building $334,600	$512,300 (+43.22%) Land $177,700 Building $334,600
2023	$3,308.00
2022		$357,700 (+31.94%) Land $143,500 Building $214,200	$357,700 (+31.94%) Land $143,500 Building $214,200
2021		$271,100 Land $128,700 Building $142,400	$271,100 Land $128,700 Building $142,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 99.1% of the US · lower than 96% 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 34 locations within half a mile, as of December 31, 2025

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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