401 3rd St N, Tower, MN 55790 Property Records

St. Louis County property record for 401 3rd St N, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 2006
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on Record
Last Sale	$3,000 (Feb 2022)
Tax Bill	$2,090 (2026)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-0010-01900`

Property Details

APN / Parcel Number

Primary APN	`080-0010-01900`
Alternative APNs	`1159633` `846495`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,092 sqft Gross Area
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,497 sqft (0.241 acres)
Cabin	240 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1159633
Street Address	401 3RD ST N
City	TOWER
State	MN
Zip	55790-0012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 OF LOT 15 & ALL OF LOT 16 SERIAL #
Legal Subdivision	TOWER
Legal Block	17
Legal Lot Number	15-16
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2031
Census Tract	15402

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	1205 N 11TH ST, SUPERIOR, WI 54880-1729
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Prior Sale	Apr 20, 2007 · Amount on Record
Deed Document Number	20221436564
Prior Transfer Date	May 22, 2006
Prior Transfer Doc	0001023664
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 1, 2022
Property Address	401 3RD ST N, TOWER, MN 55790-0012
Document Number	0001436564
Instrument Date	Jan 4, 2022
Instrument	1436564
Transaction Type	Transfer
Record Updated	Aug 15, 2022

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	401 3RD ST N, TOWER, MN 55790-0012

Mortgage

Document Number	0001436565
Date	Feb 1, 2022
Instrument	1436565

Lender

Name	SECURITY STATE BANK OF HIBBING
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Tower City
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,090.00 (-2.7%)
2025	$2,148.00 (+9.15%)	$123,800 (+3.17%) Land $8,900 Building $114,900	$123,800 (+3.17%) Land $8,900 Building $114,900
2024	$1,968.00	$120,000 (+31.72%) Land $8,900 Building $111,100	$120,000 (+31.72%) Land $8,900 Building $111,100
2022		$91,100 Land $8,100 Building $83,000	$91,100 Land $8,100 Building $83,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 78% of Minnesota
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Tower serves 426 people · EPA ID MN1690051
Water Source	Purchased groundwater influenced by surface water from Breitung
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	2.37 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20