St. Louis County property record for 3609 Fectos Rd, Tower, MN 55790
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 1 bd · 1 ba · 560 sqft · built 1995 |
| Lot Size | 0.247 acres (10,785 sqft) |
| Owner | Individual Name on File |
| Last Sale | $182,500 (May 2022) |
| Tax Bill | $1,446 (2026) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 387-0360-00235 |
| Primary APN | 387-0360-00235 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 560 sqft Gross Area |
| 1st Floor Area | 560 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Rustic |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 10,785 sqft (0.247 acres) |
| Deck Area | 427 sqft |
| Storage Building | 96 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1130177 |
|---|---|
| Street Address | 3609 FECTOS RD |
| City | TOWER |
| State | MN |
| Zip | 55790 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | THAT PORTION OF LOT 23, DESCRIBED AS FOLLOWS:BEGINNING AT A POINT LYING ON THE EASTBOUNDARY LINE OF SAID LOT 23, AND 26.18 |
| Legal Subdivision | SUNDLINGS COTTAGE SITES |
| Legal Lot Number | 23 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GREENWOOD |
| Census Block Group | 1 |
| Census Block | 1262 |
| Census Tract | 15502 |
3609 Fectos Rd, a residential property, is owned by an individual who bought it in May 2022.
Source: St. Louis County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3812 COUNTY ROAD 8, MOOSE LAKE, MN 55767-8129 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2022 · Amount on File |
| Deed Sale | May 12, 2022 · Amount on File |
| Prior Sale | Aug 15, 2007 · Amount on File |
| Deed Document Number | 20221056529 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 12, 2022 |
| Property Address | 3609 FECTOS RD, TOWER, MN 55790 |
| Document Number | 0001056529 |
| Instrument Date | May 6, 2022 |
| Instrument | 1056529 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2022 |
| Title Company | SELLMAN TITLE COMPANY, SELLMAN TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $602.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3812 COUNTY ROAD 8, MOOSE LAKE, MN 55767-8129 |
| Document Number | 0001056530 |
|---|---|
| Date | May 12, 2022 |
| Instrument | 1056530 |
| Name | NORTHVIEW BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
The 2026 property tax bill for 3609 Fectos Rd was $1,446, up 15.5% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Greenwood Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,446.00 (+15.5%) | ||
| 2025 | $1,252.00 (+6.64%) | $163,300 (+12.23%) Land $46,000 Building $117,300 | $163,300 (+12.23%) Land $46,000 Building $117,300 |
| 2024 | $1,174.00 | $145,500 Land $33,700 Building $111,800 | $145,500 Land $33,700 Building $111,800 |
| 2022 | $126,000 Land $33,600 Building $92,400 | $126,000 Land $33,600 Building $92,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3609 Fectos Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 risk around 3609 Fectos Rd is low, with less than a 0.01% annual chance of 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.
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.
5G (outdoors only) and 4G LTE
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