3547 Fectos Rd, Tower, MN 55790 Property Records

St. Louis County property record for 3547 Fectos Rd, Tower, MN 55790

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	2 bd · 1.75 ba · 1,144 sqft · built 1996
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on Record
Last Sale	$579,000 (Nov 2016)
Tax Bill	$7,186 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`387-0010-00682`

Property Details

APN / Parcel Number

Primary APN	`387-0010-00682`
Alternative APN	`1121238`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,144 sqft Gross Area
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	36,590 sqft (0.84 acres)
Garage Area	840 sqft

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	60 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1121238
Street Address	3547 FECTOS RD
City	TOWER
State	MN
Zip	55790-8165
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	A TRACT OF LAND LYING IN THE UNPLATTEDPORTION OF GOVT LOT 6, DESCRIBED AS FOLLOWS:STARTING AT AN IRON PIPE WHICH IS 1762
Legal Range	16W
Legal Township	62N
Legal Section	05
Legal Subdivision	LAKE VERMILLION
Legal Tract	OF
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1262
Census Tract	15502

Owner

Source: St. Louis County records, as of October 20, 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	401 45TH PL, VIENNA, WV 26105-2900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage · Line of Credit NORTHRIDGE COMMUNITY CU
Jun 18, 2020	Quit Claim Deed, Transfer CHOICE FIN'L
Oct 22, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage CHOICE FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2016 · Amount on Record
Deed Sale	Nov 23, 2016 · Amount on Record
Prior Sale	Oct 11, 2001 · Amount on Record
Deed Document Number	2016978893
Last Transfer Date	Jun 1, 2020
Transfer Doc	00T1024691
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3547 FECTOS RD, TOWER, MN 55790-8165
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001065569
Date	Jan 25, 2023
Instrument	1065569

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union
Address	HOYT LAKES, MN 55750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	122 Months
Due	Feb 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2020
Property Address	3547 FECTOS RD, TOWER, MN 55790-8165
Document Number	00T1024691
Instrument Date	Jun 1, 2020
Instrument	T1024691
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	300 OLD DAIRY RD CAIRO WV 263376481, CAIRO, WV 26337-6481

Mortgage

Document Number	T1024692
Date	Jun 18, 2020
Instrument	T1024692

Lender

Name	CHOICE FIN'L
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

October 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 22, 2018
Property Address	3547 FECTOS RD, TOWER, MN 55790-8165
Document Number	00T1004073
Instrument Date	Oct 10, 2018
Instrument	T1004073
Transaction Type	Mortgage
Record Updated	Nov 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3547 FECTOS RD TOWER MN 557908165, TOWER, MN 55790-8165

Mortgage

Document Number	T1004077
Date	Oct 22, 2018
Instrument	T1004077

Lender

Name	CHOICE FIN'L
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Greenwood Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,186.00 (+25.5%) Homeowner's exemption
2025	$5,726.00 (-0.52%) Homeowner's exemption	$806,000 (+13.03%) Land $377,200 Building $428,800	$806,000 (+13.03%) Land $377,200 Building $428,800
2024	$5,756.00	$713,100 (+14.85%) Land $334,200 Building $378,900	$713,100 (+14.85%) Land $334,200 Building $378,900
2022		$620,900 Land $293,800 Building $327,100	$620,900 Land $293,800 Building $327,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	70 / 3

May also be available: CTC.

Cell Coverage

5G and 4G LTE (outdoors only)

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