3602 Fectos Rd, Tower, MN 55790 Property Records

St. Louis County property record for 3602 Fectos Rd, Tower, MN 55790

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	2 bd · 1 ba · 924 sqft · built 2005
Lot Size	0.129 acres (5,640 sqft)
Owner	Individual Name on Record
Tax Bill	$3,384 (2026)
Deeds & Mortgages	Oct 2020 Line of Credit Jun 2017 Line of Credit
Flood Zone	Zone A (high risk)
APN	`387-0360-00285`

Property Details

APN / Parcel Number

Primary APN	`387-0360-00285`
Alternative APNs	`1011330` `989984`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	924 sqft Gross Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Lot Area	5,640 sqft (0.129 acres)
Garage Area	972 sqft

Exterior Amenities

Porch	Slab
Porch Area	232 sqft
Deck Area	40 sqft
Storage Building	49 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	989984
Street Address	3602 FECTOS RD
City	TOWER
State	MN
Zip	55790-8136
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	PART LYING SLY AND ELY OF THE FOLLOWINGLINE BEGINNING ON W LINE 16 91/100 FTNLY OF SW CORNER THENCE 85 DEG 13 MIN TOTHE RIGHT
Legal Subdivision	SUNDLINGS COTTAGE SITES
Legal Lot Number	27
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	Individual Name on Record
Mailing Address	3602 FECTOS RD, TOWER, MN 55790-8136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Jun 28, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 2, 2016
Transfer Doc	000T972677
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3602 FECTOS RD, TOWER, MN 55790-8136
Document Number	00T1032313
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3602 FECTOS RD TOWER MN 557908136, TOWER, MN 55790-8136

Mortgage

Document Number	00T1032313
Date	Nov 18, 2020
Instrument	T1032313

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Nov 17, 2027

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3602 FECTOS RD, TOWER, MN 55790-8136
Document Number	000T987621
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3602 FECTOS RD TOWER MN 557908136, TOWER, MN 55790-8136

Mortgage

Document Number	000T987621
Date	Jul 25, 2017
Instrument	T987621

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 24, 2027

Interest

Rate Type	Adjustable Rate

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	$3,384.00 (+2%) Homeowner's exemption
2025	$2,820.00 (-2.02%) Homeowner's exemption	$464,100 (+13%) Land $200,200 Building $263,900	$464,100 (+13%) Land $200,200 Building $263,900
2024	$2,878.00	$410,700 (+19.39%) Land $156,900 Building $253,800	$410,700 (+19.39%) Land $156,900 Building $253,800
2022		$344,000 Land $134,300 Building $209,700	$344,000 Land $134,300 Building $209,700

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 97% of the US · lower than 89% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	90 / 5

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Fectos Rd

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