St. Louis County property record for 4038 Clover Point Rd, Tower, MN 55790
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1.25 ba · 1,062 sqft · built 1968 |
| Lot Size | 0.583 acres (25,430 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (Aug 2021) |
| Tax Bill | $4,418 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 387-0110-00250 |
| Primary APN | 387-0110-00250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,062 sqft Gross Area |
| 1st Floor Area | 1,062 sqft |
| Basement Area | 312 sqft |
| Finished Basement | 312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 25,430 sqft (0.583 acres) |
| Garage Area | 528 sqft |
| Deck Area | 6 sqft |
| Boat House | 600 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1114463 |
|---|---|
| Street Address | 4038 CLOVER POINT RD |
| City | TOWER |
| State | MN |
| Zip | 55790-8148 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | LOT 16 EX PART DESC AS FOLLOWS ASSUMINGW BOUNDARY LINE BEARING AS S 29 DEG 40MIN 00 SEC W AND BEG AT NW CORNER OF LOTTHENCE S |
| Legal Subdivision | CLOVER POINT |
| Legal Lot Number | 16 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GREENWOOD |
| Census Block Group | 1 |
| Census Block | 1271 |
| Census Tract | 15502 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1810 TRAIL DR, DULUTH, MN 55803-1537 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2021 · Amount on Record |
| Deed Sale | Aug 5, 2021 · Amount on Record |
| Deed Document Number | 20211421120 |
| Prior Transfer Date | Oct 20, 2003 |
| Prior Transfer Doc | 0000923430 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 5, 2021 |
| Property Address | 4038 CLOVER POINT RD, TOWER, MN 55790-8148 |
| Document Number | 0001421120 |
| Instrument Date | Aug 2, 2021 |
| Instrument | 1421120 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,221.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1810 TRAIL DR, DULUTH, MN 55803-1537 |
| Document Number | 0001421121 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 1421121 |
| Name | MANN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2031 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Greenwood Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,418.00 (+27.1%) | ||
| 2025 | $3,476.00 (-0.97%) | $503,100 (+21.96%) Land $205,000 Building $298,100 | $503,100 (+21.96%) Land $205,000 Building $298,100 |
| 2024 | $3,510.00 | $412,500 (+10.71%) Land $163,700 Building $248,800 | $412,500 (+10.71%) Land $163,700 Building $248,800 |
| 2022 | $372,600 Land $146,700 Building $225,900 | $372,600 Land $146,700 Building $225,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CTC Fiber | 1,000 / 1,000 |
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