4028 Clover Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 4028 Clover Point Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 280 sqft · built 1970
Lot Size	0.907 acres (39,530 sqft)
Owner	Individual Name on Record
Tax Bill	$2,872 (2026)
Deeds & Mortgages	Aug 2026 Sale Aug 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`387-0110-00200`

Property Details

APN / Parcel Number

Primary APN	`387-0110-00200`
Alternative APN	`72358`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	280 sqft Gross Area
1st Floor Area	280 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	39,530 sqft (0.907 acres)
Deck Area	64 sqft
Boat House	240 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	72358
Street Address	4028 CLOVER POINT RD
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT: 0011 BLOCK:000 SERIAL #
Legal Subdivision	CLOVER POINT T OF GREENWOOD
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1271
Census Tract	15502

Owner

Source: St. Louis County records, as of August 26, 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	5630 27TH AVE S, MINNEAPOLIS, MN 55417-2726
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Affidavit, Transfer
Aug 11, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 7, 2026
Transfer Doc	0001537935
Record Updated	Oct 29, 2026

August 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ST LOUIS MN
Recording Date	Aug 7, 2026
Property Address	4028 CLOVER POINT RD, TOWER, MN 55790
Document Number	0001537935
Instrument Date	Aug 7, 2026
Instrument	20261537935
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5630 27TH AVE S, MINNEAPOLIS, MN 55417-2726

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 11, 2026
Property Address	4028 CLOVER POINT RD, TOWER, MN 55790
Document Number	0001538266
Instrument Date	Jul 27, 2026
Instrument	20261538266
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5630 27TH AVE S, MINNEAPOLIS, MN 55417-2726

Tax Assessment & Valuation

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	$2,872.00 (+26.3%)
2025	$2,274.00 (-0.87%)	$324,700 (+21.11%) Land $287,700 Building $37,000	$324,700 (+21.11%) Land $287,700 Building $37,000
2024	$2,294.00	$268,100 (+12.18%) Land $232,100 Building $36,000	$268,100 (+12.18%) Land $232,100 Building $36,000
2022		$239,000 Land $206,300 Building $32,700	$239,000 Land $206,300 Building $32,700

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 · 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 Record 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

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

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