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4040 Clover Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 4040 Clover Point Rd, Tower, MN 55790 · Last verified August 2026

Property Summary

Property TypeSeasonal / Vacation Home
Details3 bd · 2 ba · 1,738 sqft · built 1974
Lot Size0.897 acres (39,110 sqft)
OwnerIndividual Name on File
Tax Bill$5,406 (2026)
Deeds & MortgagesJan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN387-0110-00260

Property Details

APN / Parcel Number

Primary APN387-0110-00260
Alternative APN
  • 958138

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area1,738 sqft Gross Area
1st Floor Area1,738 sqft

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Architectural StyleRustic
Exterior MaterialWood
Construction TypeFrame
Lot Area39,110 sqft (0.897 acres)
Garage TypeCarport
Garage Area600 sqft
CarportCarport
Carport Area600 sqft
Deck Area278 sqft
Storage Building100 sqft
SaunaSauna

Utilities, Heating & Cooling

Heating FuelGas

Location & Zoning

Account Number958138
Street Address4040 CLOVER POINT RD
CityTOWER
StateMN
Zip55790
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Legal DescriptionLOT 17 EX THAT PART BEG AT THE NW CORTHENCE S 16 DEG 16' 30" W 314 FT TOSHORELINE THENCE W ALONG SHORELINE 21 FTTO THE WLY
Legal SubdivisionCLOVER POINT
Legal Lot Number17-18
JurisdictionST LOUIS MN
Township / Civil DivisionGREENWOOD
Census Block Group1
Census Block1271
Census Tract15502

Owner

Source: St. Louis County records · APN 387-0110-00260

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address372 S SUTTON LAKE BLVD, JORDAN, MN 55352-9396
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 08, 2012
Deed SaleJun 08, 2012
Deed Document Number20121188277
Prior Transfer DateMar 26, 2012
Prior Transfer Doc0001188277
Record UpdatedSep 20, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address4040 CLOVER POINT RD, TOWER, MN 55790-8148
Document Number00A1402039
Instrument DateJan 15, 2021
Transaction TypeMortgage
Record UpdatedFeb 22, 2021
Title CompanySCOTT COUNTY ABSTRACT AND TITLE, SCOTT CNTY ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address4040 CLOVER POINT RD TOWER MN 55790, TOWER, MN 55790

Mortgage

Document Number00A1402039
DateJan 26, 2021
InstrumentA1402039
Lender
NameWELLS FARGO BK
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJan 25, 2041

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
County SubdivisionGreenwood Township
Unified School DistrictSt. Louis County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$5,406.00 (+28.41%)
2025$4,210.00 (-0.99%)$596,000 (+19.08%) Land $281,400 Building $314,600$596,000 (+19.08%) Land $281,400 Building $314,600
2024$4,252.00$500,500 (+11.17%) Land $226,800 Building $273,700$500,500 (+11.17%) Land $226,800 Building $273,700
2022$450,200 Land $201,700 Building $248,500$450,200 Land $201,700 Building $248,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370155021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 23 individual NFIP policies nearby
Nearby Flood Policies23 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 20 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Consolidated Telephone CompanyFiber1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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