3604 Fectos Rd, Tower, MN 55790 Property Records

St. Louis County property record for 3604 Fectos Rd, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,536 sqft · built 1934
Lot Size	0.85 acres (37,052 sqft)
Owner	Individual Name on Record
Last Sale	$216,000 (Apr 2021)
Tax Bill	$4,936 (2026)
Deeds & Mortgages	Mar 2023 Second Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`387-0360-00280`

Property Details

APN / Parcel Number

Primary APN	`387-0360-00280`
Alternative APN	`1106966`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,536 sqft Gross Area
1st Floor Area	168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Rustic
Exterior Material	Other
Construction Type	Frame
Lot Area	37,052 sqft (0.85 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	152 sqft
Storage Building	64 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1106966
Street Address	3604 FECTOS RD
City	TOWER
State	MN
Zip	55790-8136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART LYING NLY AND WLY 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	3604 FECTOS RD, TOWER, MN 55790-8136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH STAR CU
Apr 5, 2021	Affidavit of Death of Joint Tenant, Transfer ALL AMERICAN TITLE
Apr 5, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH STAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Deed Document Number	20211038819
Prior Transfer Date	Mar 3, 2016
Prior Transfer Doc	000T968761
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3604 FECTOS RD, TOWER, MN 55790-8136
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001066540
Date	Mar 7, 2023
Instrument	1066540

Lender

Name	NORTH STAR CU
Type	Credit Union
Address	COOK, MN 55723

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Apr 1, 2028

April 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Apr 5, 2021
Property Address	3604 FECTOS RD, TOWER, MN 55790-8136
Document Number	0001038818
Instrument Date	Mar 1, 2021
Instrument	1038818
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ALL AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 516, TOWER, MN 55790-0516

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 5, 2021
Property Address	3604 FECTOS RD, TOWER, MN 55790-8136
Document Number	0001038819
Instrument Date	Mar 1, 2021
Instrument	1038819
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 FECTOS RD, TOWER, MN 55790-8136

Mortgage

Document Number	0001038820
Date	Apr 5, 2021
Instrument	1038820

Lender

Name	NORTH STAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

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	$4,936.00 (+19.46%) Homeowner's exemption
2025	$4,132.00 (+40.83%) Homeowner's exemption	$621,400 (+12.49%) Land $356,700 Building $264,700	$621,400 (+12.49%) Land $356,700 Building $264,700
2024	$2,934.00	$552,400 (+125.56%) Land $288,300 Building $264,100	$552,400 (+125.56%) Land $288,300 Building $264,100
2022		$244,900 Land $239,700 Building $5,200	$244,900 Land $239,700 Building $5,200

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

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