305 2nd St N, Tower, MN 55790 Property Records

St. Louis County property record for 305 2nd St N, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 828 sqft · built 1947
Lot Size	0.16 acres (6,998 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Jun 2021)
Tax Bill	$520 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-0010-00720`

Property Details

APN / Parcel Number

Primary APN	`080-0010-00720`
Alternative APNs	`1110727` `1180914`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	828 sqft Gross Area
1st Floor Area	828 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,998 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	416 sqft
Porch	Slab
Porch Area	19 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1180914
Street Address	305 2ND ST N
City	TOWER
State	MN
Zip	55790-0002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLOCK 8 SERIAL #
Legal Subdivision	TOWER
Legal Block	8
Legal Lot Number	14
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2039
Census Tract	15402

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	305 2ND ST N, 898, TOWER, MN 55790-0002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	Jun 4, 2008 · Amount on Record
Deed Document Number	20211416317
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 11, 2021
Property Address	305 2ND ST N, TOWER, MN 55790-0002
Document Number	0001416317
Instrument Date	May 17, 2021
Instrument	1416317
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	305 2ND ST N, TOWER, MN 55790-0002

Mortgage

Document Number	0001416318
Date	Jun 11, 2021
Instrument	1416318

Lender

Name	NORTH STAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Tower City
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$520.00 (+8.33%) Homeowner's exemption
2025	$480.00 (-24.53%) Homeowner's exemption	$95,100 (+10.97%) Land $6,000 Building $89,100	$95,100 (+10.97%) Land $6,000 Building $89,100
2024	$636.00	$85,700 (+31.85%) Land $6,000 Building $79,700	$85,700 (+31.85%) Land $6,000 Building $79,700
2022		$65,000 Land $5,400 Building $59,600	$65,000 Land $5,400 Building $59,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 78% of Minnesota
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Tower serves 426 people · EPA ID MN1690051
Water Source	Purchased groundwater influenced by surface water from Breitung
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	2.37 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20