St. Louis County property record for 3645 Fectos Rd, Tower, MN 55790
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 0.75 ba · 859 sqft · built 1981 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,758 (2026) |
| Deeds & Mortgages | May 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 387-0010-00696 |
| Primary APN | 387-0010-00696 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 0.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 859 sqft Gross Area |
| 1st Floor Area | 740 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Stone |
| Lot Area | 22,651 sqft (0.52 acres) |
| Deck Area | 72 sqft |
| Cabin | 192 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 24967 |
|---|---|
| Street Address | 3645 FECTOS RD |
| City | TOWER |
| State | MN |
| Zip | 55790 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | NLY 100 FT OF SLY 1328.28 FT OF LOT 1 SERIAL # |
| Legal Range | 16W |
| Legal Township | 62N |
| Legal Section | 06 |
| Legal Subdivision | GREENWOOD TOWN OF |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GREENWOOD |
| Census Block Group | 1 |
| Census Block | 1262 |
| Census Tract | 15502 |
3645 Fectos Rd, a residential property, is held in a trust since April 2019.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 6967 HIGHWAY 169, VIRGINIA, MN 55792-8040 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 3, 2019 |
| Transfer Doc | 00A1355683 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 30, 2019 |
| Property Address | 3645 FECTOS RD, TOWER, MN 55790 |
| Document Number | 00A1355683 |
| Instrument Date | Apr 3, 2019 |
| Instrument | A1355683 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1.65 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3647 FECTOS RD TOWER MN 557908137, TOWER, MN 55790-8137 |
The 2026 property tax bill for 3645 Fectos Rd was $2,758, up 19.8% 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 | $2,758.00 (+19.81%) | ||
| 2025 | $2,302.00 (+8.08%) | $322,200 (+15.61%) Land $227,400 Building $94,800 | $322,200 (+15.61%) Land $227,400 Building $94,800 |
| 2024 | $2,130.00 | $278,700 Land $180,300 Building $98,400 | $278,700 Land $180,300 Building $98,400 |
| 2022 | $234,900 Land $153,600 Building $81,300 | $234,900 Land $153,600 Building $81,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3645 Fectos Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 3645 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 94% of the US · lower than 80% 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.
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