St. Louis County property record for 402 2nd St N, Tower, MN 55790
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,257 sqft |
| Lot Size | 0.16 acres (6,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Oct 2025) |
| Tax Bill | $416 (2026) |
| Deeds & Mortgages | Oct 2025 Sale Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-0010-01610 |
| Primary APN | 080-0010-01610 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,257 sqft Gross Area |
| 1st Floor Area | 1,077 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Metal |
|---|---|
| Construction Type | Frame |
| Lot Area | 6,998 sqft (0.16 acres) |
| Garage Area | 1,012 sqft |
| Porch | Slab |
| Porch Area | 114 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Account Number | 1158053 |
|---|---|
| Street Address | 402 2ND ST N |
| City | TOWER |
| State | MN |
| Zip | 55790-0003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0001 BLOCK:015 SERIAL # |
| Legal Subdivision | TOWER |
| Legal Block | 15 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | TOWER |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 15402 |
402 2nd St N is owned and occupied by an individual who bought it in October 2025.
Source: St. Louis County records, as of September 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 17717 PINE LAKE RD, FINLAYSON, MN 55735-4081 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 2, 2025 | Warranty Deed, Transfer |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2025 · Amount on File |
| Deed Sale | Oct 2, 2025 · Amount on File |
| Prior Sale | Feb 24, 2025 · Amount on File |
| Deed Document Number | 20251519381 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 2, 2025 |
| Property Address | 402 2ND ST N, TOWER, MN 55790-0003 |
| Document Number | 0001519381 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 1519381 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $264.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17717 PINE LAKE RD, FINLAYSON, MN 55735-4081 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 402 2ND ST N, TOWER, MN 55790-0003 |
| Document Number | 00A1381381 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 402 N SECOND ST TOWER MN 557902103, TOWER, MN 55790-2103 |
| Document Number | 00A1381381 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | A1381381 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | TOWER, MN 55790 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 2, 2030 |
The 2026 property tax bill for 402 2nd St N was $416 with a homeowner's exemption, down 7.1% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Tower City |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $416.00 (-7.14%) Homeowner's exemption | ||
| 2025 | $448.00 (-21.4%) Homeowner's exemption | $77,400 (-2.52%) Land $6,000 Building $71,400 | $77,400 (-2.52%) Land $6,000 Building $71,400 |
| 2024 | $570.00 | $79,400 Land $6,000 Building $73,400 | $79,400 Land $6,000 Building $73,400 |
| 2022 | $60,200 Land $5,400 Building $54,800 | $60,200 Land $5,400 Building $54,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 2nd St N in Zone X, an area of minimal flood risk.
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 risk around 402 2nd St N is moderate, ranking above 48% of the US, with a 0.06% annual chance of 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.
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 |
| 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.
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 |
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