3551 Fectos Rd, Tower, MN 55790 Property Records

St. Louis County property record for 3551 Fectos Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.75 ba · 2,000 sqft · built 1996
Lot Size	1.74 acres (75,794 sqft)
Owner	2 Individual Names on Record
Last Sale	$721,000 (Jun 2026)
Tax Bill	$7,024 (2026)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`387-0010-00683`

Property Details

APN / Parcel Number

Primary APN	`387-0010-00683`
Alternative APN	`33150`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,000 sqft Gross Area
1st Floor Area	2,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	75,794 sqft (1.74 acres)
Garage Area	1,792 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	120 sqft
Patio Area	288 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	33150
Street Address	3551 FECTOS RD
City	TOWER
State	MN
Zip	55790-8165
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	PART OF LOT 7 BEG AT A PT 1556.02 FT N AND503.01 FT E OF SW COR THENCE NLY 146.10 FT TOLAKESHORE THENCE NELY ALONE SHORE 575
Legal Range	16W
Legal Township	62N
Legal Section	05
Legal Subdivision	GREENWOOD TOWN OF
Legal Tract	6
Legal Lot Number	7
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 August 17, 2026

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	10607 49TH ST NE, ALBERTVILLE, MN 55301-4598
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Affidavit, Transfer
Jun 18, 2026	Deed of Distribution, Transfer FIRST PARTNERS TITLE, PARTNERS TITLE
Jun 18, 2026	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2026 · Amount on Record
Deed Sale	Jun 18, 2026 · Amount on Record
Deed Document Number	20261102600
Record Updated	Sep 20, 2026

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2026
Property Address	3551 FECTOS RD, TOWER, MN 55790-8165
Document Number	0001102594
Instrument Date	Jun 18, 2026
Instrument	20261102594
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3551 FECTOS RD, TOWER, MN 55790-8165

June 2026: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2026
Property Address	3551 FECTOS RD, TOWER, MN 55790-8165
Document Number	0001102599
Instrument Date	May 12, 2026
Instrument	20261102599
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIRST PARTNERS TITLE, PARTNERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3551 FECTOS RD, TOWER, MN 55790-8165

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2026
Property Address	3551 FECTOS RD, TOWER, MN 55790-8165
Document Number	0001102600
Instrument Date	May 12, 2026
Instrument	20261102600
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST PARTNERS TITLE, PARTNERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240,309.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10607 49TH ST NE, ALBERTVILLE, MN 55301-4598

Mortgage

Document Number	0001102600,
Date	Jun 18, 2026
Instrument	20261102600

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

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	$7,024.00 (+15.75%) Homeowner's exemption
2025	$6,068.00 (-0.36%) Homeowner's exemption	$790,900 (+5.81%) Land $370,000 Building $420,900	$790,900 (+5.81%) Land $370,000 Building $420,900
2024	$6,090.00	$747,500 (+14.82%) Land $331,000 Building $416,500	$747,500 (+14.82%) Land $331,000 Building $416,500
2022		$651,000 Land $291,400 Building $359,600	$651,000 Land $291,400 Building $359,600

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	None beyond ember reach

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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	70 / 3
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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