4016 Co Rd 77, Tower, MN 55790 Property Records

St. Louis County property record for 4016 Co Rd 77, Tower, MN 55790

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 3.5 ba · 3,052 sqft · built 2005
Lot Size	0.68 acres (29,648 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Nov 2012)
Tax Bill	$10,022 (2026)
Deeds & Mortgages	Sep 2021 Line of Credit Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`387-0110-00140`

Property Details

APN / Parcel Number

Primary APN	`387-0110-00140`
Alternative APN	`551708`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,052 sqft Gross Area
1st Floor Area	2,116 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	29,648 sqft (0.68 acres)
Garage Area	2,152 sqft

Exterior Amenities

Porch	Slab
Deck Area	216 sqft
Cabin	120 sqft
Boat House	520 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	551708
Street Address	4016 COUNTY ROAD 77
City	TOWER
State	MN
Zip	55790-8124
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT 6 A SERIAL #
Legal Subdivision	CLOVER POINT T OF GREENWOOD
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1271
Census Tract	15502

Owner

4016 Co Rd 77, a residential property, is owned and occupied by an individual who bought it in November 2012.

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	4016 COUNTY ROAD 77, TOWER, MN 55790-8124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit EMBARRASS VERMILLION FCU
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit EMBARRASS VERMILLION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2012 · Amount on File
Deed Sale	Nov 19, 2012 · Amount on File
Deed Document Number	20121078
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4016 COUNTY ROAD 77, TOWER, MN 55790-8124
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001424233
Date	Sep 13, 2021
Instrument	1424233

Lender

Name	EMBARRASS VERMILLION FCU
Type	Credit Union
Address	AURORA, MN 55705

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Aug 12, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4016 COUNTY ROAD 77, TOWER, MN 55790-8124
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001424234
Date	Sep 13, 2021
Instrument	1424234

Lender

Name	EMBARRASS VERMILLION FCU
Type	Credit Union
Address	AURORA, MN 55705

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Aug 12, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 4016 Co Rd 77 was $10,022 with a homeowner's exemption, up 27.9% 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	$10,022.00 (+27.9%) Homeowner's exemption
2025	$7,836.00 (+1.45%) Homeowner's exemption	$1,103,500 (+19.19%) Land $199,900 Building $903,600	$1,103,500 (+19.19%) Land $199,900 Building $903,600
2024	$7,724.00	$925,800 Land $160,000 Building $765,800	$925,800 Land $160,000 Building $765,800
2022		$505,500 Land $144,000 Building $361,500	$505,500 Land $144,000 Building $361,500

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

Flood

FEMA maps place 4016 Co Rd 77 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 4016 Co Rd 77 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 98% of the US · lower than 92% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 77

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