3611 Fectos Rd, Tower, MN 55790 Property Records

St. Louis County property record for 3611 Fectos Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 512 sqft · built 1999
Lot Size	0.119 acres (5,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$298,000 (May 2023)
Tax Bill	$1,462 (2026)
Deeds & Mortgages	May 2023 Sale Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`387-0360-00225`

Property Details

APN / Parcel Number

Primary APN	`387-0360-00225`
Alternative APNs	`1077462` `1149088`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	512 sqft Gross Area
1st Floor Area	512 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	5,204 sqft (0.119 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	48 sqft
Cabin	96 sqft
Storage Building	16 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Propane

Location & Zoning

Account Number	1149088
Street Address	3611 FECTOS RD
City	TOWER
State	MN
Zip	55790-8137
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PORTION OF LOT 23 DESCRIBED AS FOLLOWS:BEGINNING AT THE NORTHEASTERLY CORNER OF SAIDLOT 23, THENCE RUNNING WEST ALONG
Legal Subdivision	SUNDLING S COTTAGE SITES
Legal Lot Number	23
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	830 N LAKE AVE, DULUTH, MN 55805-1259
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2023	Warranty Deed, Transfer MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC
Sep 16, 2019	Warranty Deed, Transfer · Conventional Mortgage NORTH STAR CU
Sep 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2023 · Amount on Record
Deed Sale	May 26, 2023 · Amount on Record
Prior Sale	Sep 16, 2019 · Amount on Record
Deed Document Number	20231068665
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 26, 2023
Property Address	3611 FECTOS RD, TOWER, MN 55790-8137
Document Number	0001068665
Instrument Date	May 19, 2023
Instrument	1068665
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$983.40
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	830 N LAKE AVE, DULUTH, MN 55805-1259

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 16, 2019
Property Address	3611 FECTOS RD, TOWER, MN 55790-8137
Document Number	00T1015040
Instrument Date	Sep 5, 2019
Instrument	T1015040
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	SERVION TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3611 FECTOS RD TOWER MN 55790, TOWER, MN 55790

Mortgage

Document Number	T1015041
Date	Sep 16, 2019
Instrument	T1015041

Lender

Name	NORTH STAR CU
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 16, 2019
Property Address	3611 FECTOS RD, TOWER, MN 55790-8137
Document Number	00A1015040
Instrument Date	Sep 5, 2019
Instrument	A1015040
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$544.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3611 FECTOS RD TOWER MN 55790, TOWER, MN 55790

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	$1,462.00 (+13.51%)
2025	$1,288.00 (+119.8%)	$165,200 (+10.21%) Land $45,500 Building $119,700	$165,200 (+10.21%) Land $45,500 Building $119,700
2024	$586.00	$149,900 (+35.29%) Land $33,400 Building $116,500	$149,900 (+35.29%) Land $33,400 Building $116,500
2022		$110,800 Land $30,100 Building $80,700	$110,800 Land $30,100 Building $80,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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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