315 Main St, Tower, MN 55790 Property Records

St. Louis County property record for 315 Main St, Tower, MN 55790

Property Summary

Property Type	Commercial
Details	10,485 sqft · built 1991
Lot Size	0.321 acres (13,996 sqft)
Owner	Company Name on Record
Tax Bill	$7,708 (2026)
Deeds & Mortgages	Apr 2019 Loan Modification Apr 2018 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-0010-00880`

Property Details

APN / Parcel Number

Primary APN	`080-0010-00880`
Alternative APN	`102042`

Interior

Stories	1 Story
Building Area	10,485 sqft Gross Area
1st Floor Area	10,485 sqft
Flooring	Vinyl/Resilient
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1994
Exterior Material	Concrete Block
Lot Area	13,996 sqft (0.321 acres)

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Forced Air with A/C

Location & Zoning

Account Number	102042
Street Address	315 MAIN ST
City	TOWER
State	MN
Zip	55790-5106
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOTS 10 AND 11 SERIAL #
Legal Subdivision	TOWER
Legal Block	9
Legal Lot Number	10-11
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	Company Name on Record
Mailing Address	PO BOX 158, SILVER BAY, MN 55614-0158
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2019	Loan Modification, Mortgage FRANDSEN BK&TR
Apr 1, 2018	Loan Modification, Mortgage FRANDSEN BK&TR
Apr 5, 2017	Loan Modification, Mortgage · Line of Credit FRANDSEN BK&TR
Feb 14, 2017	Loan Modification, Mortgage FRANDSEN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	315 MAIN ST, TOWER, MN 55790-5106
Document Number	0A01353119
Instrument Date	Apr 2, 2019
Transaction Type	Mortgage
Record Updated	Apr 29, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0A01353119
Date	Apr 15, 2019
Instrument	A01353119

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	TOWER, MN 55790

Agreement

Term	12 Months
Due	Apr 14, 2020

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	315 MAIN ST, TOWER, MN 55790-5106
Document Number	00A1331073
Instrument Date	Apr 1, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	315 MAIN ST TOWER MN 557905106, TOWER, MN 55790-5106

Mortgage

Document Number	00A1331073
Date	Apr 13, 2018
Instrument	A1331073

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	TOWER, MN 55790

Agreement

Term	12 Months
Due	Apr 12, 2019

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	315 MAIN ST, TOWER, MN 55790-5106
Document Number	00A1307805
Instrument Date	Apr 5, 2017
Transaction Type	Mortgage
Record Updated	May 18, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	315 MAIN ST TOWER MN 557905106, TOWER, MN 55790-5106

Mortgage

Document Number	00A1307805
Date	Apr 21, 2017
Instrument	A1307805

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	TOWER, MN 55790

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 20, 2018

Interest

Rate Type	Adjustable Rate

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	315 MAIN ST, TOWER, MN 55790-5106
Document Number	00A1305232
Instrument Date	Feb 14, 2017
Transaction Type	Mortgage
Record Updated	Mar 20, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	315 MAIN ST TOWER MN 557905106, TOWER, MN 55790-5106

Mortgage

Document Number	00A1305232
Date	Mar 6, 2017
Instrument	A1305232

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	TOWER, MN 55790

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 5, 2018

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	$7,708.00 (+11.39%)
2025	$6,920.00 (-2.56%)	$281,600 (+23.78%) Land $12,600 Building $269,000	$281,600 (+23.78%) Land $12,600 Building $269,000
2024	$7,102.00	$227,500 (+9.96%) Land $12,600 Building $214,900	$227,500 (+9.96%) Land $12,600 Building $214,900
2022		$206,900 Land $11,300 Building $195,600	$206,900 Land $11,300 Building $195,600

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
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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