314 2nd St N, Tower, MN 55790 Property Records

St. Louis County property record for 314 2nd St N, Tower, MN 55790

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2 ba · 1,440 sqft
Lot Size	0.16 acres (6,998 sqft)
Owner	Individual Name on Record
Last Sale	$149,500 (Jul 2022)
Tax Bill	$2,432 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-0010-00840`

Property Details

APN / Parcel Number

Primary APN	`080-0010-00840`
Alternative APN	`1132892`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,440 sqft Gross Area
1st Floor Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Duplex Single
Exterior Material	Metal
Construction Type	Frame
Lot Area	6,998 sqft (0.16 acres)
Porch	Slab
Porch Area	132 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1132892
Street Address	314 2ND ST N
City	TOWER
State	MN
Zip	55790-0002
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT: 0007 BLOCK:009 SERIAL #
Legal Subdivision	TOWER
Legal Block	9
Legal Lot Number	7
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	631 E CAMP ST, ELY, MN 55731-1651
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Jul 28, 2016 · Amount on Record
Deed Document Number	20221446760
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 6, 2022
Property Address	314 2ND ST N, TOWER, MN 55790-0002
Document Number	0001446760
Instrument Date	Jun 28, 2022
Instrument	1446760
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$493.35
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 E CAMP ST, ELY, MN 55731-1651

Mortgage

Document Number	0001446761
Date	Jul 6, 2022
Instrument	1446761

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

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	$2,432.00 (+13.86%)
2025	$2,136.00 (+9.31%)	$116,800 (+21.29%) Land $6,000 Building $110,800	$116,800 (+21.29%) Land $6,000 Building $110,800
2024	$1,954.00	$96,300 (+32.1%) Land $6,000 Building $90,300	$96,300 (+32.1%) Land $6,000 Building $90,300
2022		$72,900 Land $5,400 Building $67,500	$72,900 Land $5,400 Building $67,500

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
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