3549 Fectos Rd, Tower, MN 55790 Property Records

St. Louis County property record for 3549 Fectos Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	144 sqft
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$579,000 (Nov 2016)
Tax Bill	$1,038 (2021)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`387-0010-00660`

Property Details

APN / Parcel Number

Primary APN	`387-0010-00660`
Alternative APN	`1121238`

Interior

Building Area	144 sqft Base Area

Exterior

Lot Area	7,841 sqft (0.18 acres)

Exterior Amenities

Patio Area	96 sqft
Cabin	400 sqft
Storage Building	64 sqft
Boat House	264 sqft

Location & Zoning

Account Number	1121238
Street Address	3549 FECTOS RD
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	N 110 FT OF THAT PART OF LOT 6 LYING EOF THE GREENWOOD BAY SERIAL #
Legal Range	16
Legal Township	62
Legal Section	05
Legal Subdivision	GREENWOOD TOWN 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 April 17, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3547 FECTOS RD, TOWER, MN 55790-8165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Quit Claim Deed, Transfer CHOICE FIN'L
Oct 22, 2018	Quit Claim Deed, Mortgage CHOICE FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2016 · Amount on Record
Deed Sale	Nov 23, 2016 · Amount on Record
Prior Sale	Oct 22, 2018
Deed Document Number	000T978893
Last Transfer Date	Jun 18, 2020
Transfer Doc	00T1024691
Record Updated	Jun 7, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2020
Property Address	3549 FECTOS RD, TOWER, MN 55790
Document Number	00T1024691
Instrument Date	Jun 1, 2020
Instrument	T1024691
Transaction Type	Transfer
Record Updated	Aug 10, 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	3549 FECTOS RD, TOWER, MN 55790
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	3549 FECTOS RD TOWER MN 55790, TOWER, MN 55790

Mortgage

Document Number	T1004077
Date	Oct 22, 2018
Instrument	T1004077

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of February 1, 2022

Property Jurisdictions

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

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 66% of the US · above 60% of Minnesota
Wildfire Likelihood	0.02% 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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