305 Main St, Tower, MN 55790 Property Records

St. Louis County property record for 305 Main St, Tower, MN 55790

Property Summary

Property Type	Commercial
Details	3,136 sqft · built 1900
Lot Size	0.321 acres (13,996 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Dec 2021)
Tax Bill	$2,984 (2026)
Deeds & Mortgages	Dec 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`080-0010-00920`

Property Details

APN / Parcel Number

Primary APN	`080-0010-00920`
Alternative APN	`1122405`

Interior

Stories	2 Stories
Building Area	3,136 sqft Gross Area
1st Floor Area	1,636 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1988
Exterior Material	Brick Veneer
Lot Area	13,996 sqft (0.321 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1122405
Street Address	305 MAIN ST
City	TOWER
State	MN
Zip	55790-5106
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOTS 13 AND 14 SERIAL #
Legal Subdivision	TOWER
Legal Block	9
Legal Lot Number	13-14
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2055
Census Tract	15402

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	PO BOX 434, TOWER, MN 55790-0434
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2021 · Amount on Record
Deed Sale	Dec 9, 2021 · Amount on Record
Prior Sale	Nov 15, 2016 · Amount on Record
Deed Document Number	20211432024
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 9, 2021
Property Address	305 MAIN ST, TOWER, MN 55790-5106
Document Number	0001432024
Instrument Date	Nov 29, 2021
Instrument	1432024
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6907 BERKSHIRE LN N, MAPLE GROVE, MN 55311-3536

Mortgage

Document Number	0001432025
Date	Dec 9, 2021
Instrument	1432025

Lender

Name	EMBARRASS VERMILLION FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Nov 29, 2026

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	$2,984.00 (+44.57%)
2025	$2,064.00 (-0.96%)	$130,400 (+65.9%) Land $12,600 Building $117,800	$130,400 (+65.9%) Land $12,600 Building $117,800
2024	$2,084.00 (+84.1%)	$78,600 (+108.49%) Land $12,600 Building $66,000	$78,600 (+108.49%) Land $12,600 Building $66,000
2023	$1,132.00
2022		$37,700 (+3.86%) Land $11,300 Building $26,400	$37,700 (+3.86%) Land $11,300 Building $26,400
2021		$36,300 Land $9,900 Building $26,400	$36,300 Land $9,900 Building $26,400

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

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

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 42% of the US · above 72% of Minnesota
Wildfire Likelihood	0.05% 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 167 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CTC.

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