St. Louis County property record for 306 Main St, Tower, MN 55790
| Property Type | Commercial |
|---|---|
| Details | 3,960 sqft · built 1972 |
| Lot Size | 0.642 acres (27,992 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,228 (2026) |
| Deeds & Mortgages | Jun 2020 Loan Modification May 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-0010-00980 |
| Primary APN | 080-0010-00980 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,960 sqft Gross Area |
| 1st Floor Area | 3,960 sqft |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Metal |
| Lot Area | 27,992 sqft (0.642 acres) |
| Garage Area | 8,060 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Space Heater |
|---|
| Account Number | 132328 |
|---|---|
| Street Address | 306 MAIN ST |
| City | TOWER |
| State | MN |
| Zip | 55790-5106 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOTS 3 THRU 6 SERIAL # |
| Legal Block | 10 |
| Legal Lot Number | 3-6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | TOWER |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 15402 |
Source: St. Louis County records · APN 080-0010-00980
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 | 416 2ND ST N, 395, TOWER, MN 55790-0003 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 05, 2020 | Loan Modification, Mortgage FRANDSEN BK&TR |
| May 24, 2019 | Loan Modification, Mortgage FRANDSEN BK&TR |
| May 15, 2018 | Loan Modification, Mortgage FRANDSEN BK&TR |
| May 15, 2017 | Loan Modification, Mortgage FRANDSEN BK&TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 306 MAIN ST, TOWER, MN 55790-5106 |
| Document Number | 00A1389057 |
| Instrument Date | Jun 05, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 02, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 306 MAIN ST TOWER MN 557905106, TOWER, MN 55790-5106 |
| Document Number | 00A1389057 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | A1389057 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | TOWER, MN 55790 |
| Term | 36 Months |
|---|---|
| Due | Aug 27, 2023 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 306 MAIN ST, TOWER, MN 55790-5106 |
| Document Number | 00A1360962 |
| Instrument Date | May 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 306 MAIN ST TOWER MN 557905106, TOWER, MN 55790-5106 |
| Document Number | 00A1360962 |
|---|---|
| Date | Aug 15, 2019 |
| Instrument | A1360962 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | TOWER, MN 55790 |
| Term | 12 Months |
|---|---|
| Due | Aug 14, 2020 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 306 MAIN ST, TOWER, MN 55790-5106 |
| Document Number | 00A1335713 |
| Instrument Date | May 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 306 MAIN ST TOWER MN 557905106, TOWER, MN 55790-5106 |
| Document Number | 00A1335713 |
|---|---|
| Date | Jul 02, 2018 |
| Instrument | A1335713 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | TOWER, MN 55790 |
| Term | 12 Months |
|---|---|
| Due | Jul 01, 2019 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 306 MAIN ST, TOWER, MN 55790-5106 |
| Document Number | 00A1312063 |
| Instrument Date | May 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 306 MAIN ST TOWER MN 557905106, TOWER, MN 55790-5106 |
| Document Number | 00A1312063 |
|---|---|
| Date | Jun 28, 2017 |
| Instrument | A1312063 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | TOWER, MN 55790 |
| Term | 12 Months |
|---|---|
| Due | Jun 27, 2018 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Tower City |
| Unified School District | St. Louis County School District (PK - 12) |
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 | $3,228.00 (+15.45%) | ||
| 2025 | $2,796.00 (-1.2%) | $140,600 (+32.39%) Land $25,200 Building $115,400 | $140,600 (+32.39%) Land $25,200 Building $115,400 |
| 2024 | $2,830.00 | $106,200 (+9.82%) Land $25,200 Building $81,000 | $106,200 (+9.82%) Land $25,200 Building $81,000 |
| 2022 | $96,700 Land $22,700 Building $74,000 | $96,700 Land $22,700 Building $74,000 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 2,000 / 350 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Consolidated Telephone Company.
Based on FCC filings for 167 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Tower serves 426 people |
|---|---|
| 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 |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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