3745 Sundling Rd, Tower, MN 55790 Property Records

St. Louis County property record for 3745 Sundling Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 2.5 ba · 3,702 sqft · built 1982
Lot Size	0.577 acres (25,143 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Jul 2013)
Tax Bill	$7,730 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`387-0170-00060`

Property Details

APN / Parcel Number

Primary APN	`387-0170-00060`
Alternative APN	`954592`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,702 sqft Gross Area
1st Floor Area	2,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Wood
Construction Type	Frame
Lot Area	25,143 sqft (0.577 acres)
Garage Area	840 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Patio
Porch Area	133 sqft
Deck Area	60 sqft
Boat House	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	954592
Street Address	3745 SUNDLING RD
City	TOWER
State	MN
Zip	55790-8609
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT: 0006 SERIAL #
Legal Subdivision	FRASER BEACH T OF GREENWOOD
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1250
Census Tract	15502

Owner

3745 Sundling Rd, a residential property, is owned by an individual who bought it in July 2013.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	186 MISSISSIPPI RIVER BLVD S, SAINT PAUL, MN 55105-1110
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEND SMART MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2013 · Amount on File
Deed Sale	Jul 24, 2013 · Amount on File
Prior Sale	Jun 7, 2004 · Amount on File
Deed Document Number	2013933782
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3745 SUNDLING RD, TOWER, MN 55790-8609
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001061962
Date	Oct 4, 2022
Instrument	1061962

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9%
Index	Other
Margin	3
Max Rate	14%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3745 SUNDLING RD, TOWER, MN 55790-8609
Document Number	00T1028689
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3745 SUNDLING RD TOWER MN 557908609, TOWER, MN 55790-8609

Mortgage

Document Number	00T1028689
Date	Sep 9, 2020
Instrument	T1028689

Lender

Name	LEND SMART MTG
Type	Mortgage Company
Address	SHOREVIEW, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3745 Sundling Rd was $7,730, up 7.5% from the year before.

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	$7,730.00 (+7.45%)
2025	$7,194.00 (-5.34%)	$885,300 (+12.5%) Land $218,700 Building $666,600	$885,300 (+12.5%) Land $218,700 Building $666,600
2024	$7,600.00	$786,900 Land $194,400 Building $592,500	$786,900 Land $194,400 Building $592,500
2022		$681,700 Land $167,700 Building $514,000	$681,700 Land $167,700 Building $514,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3745 Sundling 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

Wildfire risk around 3745 Sundling Rd is low, with 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 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	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 30 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: CTC.

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