404 2nd St N, Tower, MN 55790 Property Records

St. Louis County property record for 404 2nd St N, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,598 sqft
Lot Size	0.16 acres (6,998 sqft)
Owner	Individual Name on Record
Last Sale	$54,873 (Jun 2024)
Tax Bill	$2,230 (2026)
Deeds & Mortgages	May 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`080-0010-01620`

Property Details

APN / Parcel Number

Primary APN	`080-0010-01620`
Alternative APNs	`1158053` `939555`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,598 sqft Gross Area
1st Floor Area	1,438 sqft
Basement Area	719 sqft
Finished Basement	719 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Construction Type	Frame
Lot Area	6,998 sqft (0.16 acres)
Garage Area	384 sqft
Deck Area	42 sqft
Storage Building	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1158053
Street Address	404 2ND ST N
City	TOWER
State	MN
Zip	55790-0003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0002 BLOCK:015 SERIAL #
Legal Subdivision	TOWER
Legal Block	15
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2052
Census Tract	15402

Owner

Source: St. Louis County records, as of September 22, 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 Record
Mailing Address	17717 PINE LAKE RD, FINLAYSON, MN 55735-4081
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2024 · Amount on Record
Deed Sale	Jun 12, 2024 · Amount on Record
Prior Sale	Oct 4, 2012 · Amount on Record
Deed Document Number	20241663077
Prior Transfer Date	Jul 13, 2011
Prior Transfer Doc	0000064884
Record Updated	Oct 29, 2026

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	404 2ND ST N, TOWER, MN 55790-0003
Document Number	00A1356887
Instrument Date	May 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	404 N SECOND ST TOWER MN 557902103, TOWER, MN 55790-2103

Mortgage

Document Number	00A1356887
Date	Jun 18, 2019
Instrument	A1356887

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	TOWER, MN 55790

Agreement

Term	36 Months
Due	Jun 17, 2022

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	$2,230.00 (+89.95%)
2025	$1,174.00 (-12.26%) Homeowner's exemption	$132,400 (+4.33%) Land $6,000 Building $126,400	$132,400 (+4.33%) Land $6,000 Building $126,400
2024	$1,338.00	$126,900 (+32.6%) Land $6,000 Building $120,900	$126,900 (+32.6%) Land $6,000 Building $120,900
2022		$95,700 Land $5,400 Building $90,300	$95,700 Land $5,400 Building $90,300

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