St. Louis County property record for 4046 Clover Point Rd, Tower, MN 55790 · Last verified August 2026
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,288 sqft |
| Lot Size | 1.03 acres (45,151 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $675,000 (Sep 2004) |
| Tax Bill | $7,696 (2026) |
| Deeds & Mortgages | Jul 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 387-0110-00295 |
| Primary APN | 387-0110-00295 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Gross Area |
| 1st Floor Area | 1,288 sqft |
| Basement Area | 1,159 sqft |
| Finished Basement | 1,159 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Logs |
| Construction Type | Frame |
| Lot Area | 45,151 sqft (1.03 acres) |
| Garage Area | 928 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 288 sqft |
| Cabin | 432 sqft |
| Boat House | 525 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 1183302 |
|---|---|
| Street Address | 4046 CLOVER POINT RD |
| City | TOWER |
| State | MN |
| Zip | 55790-8148 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | E 50 FT OF LOT 20 & ALL OF LOT 21 SERIAL # |
| Legal Subdivision | CLOVER POINT T OF GREENWOOD |
| Legal Lot Number | 20-21 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GREENWOOD |
| Census Block Group | 1 |
| Census Block | 1271 |
| Census Tract | 15502 |
Source: St. Louis County records · APN 387-0110-00295
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 Record | 2 Company Names on File |
|---|---|
| Mailing Address | 5812 VERNON LN, MINNEAPOLIS, MN 55436-2250 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2004 · Amount on Record |
| Deed Sale | Sep 24, 2004 · Amount on Record |
| Deed Document Number | 2004957935 |
| Last Transfer Date | May 28, 2025 |
| Transfer Doc | 0001511580 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 21, 2023 |
| Property Address | 4046 CLOVER POINT RD, TOWER, MN 55790-8148 |
| Document Number | 0001470482 |
| Instrument Date | Jun 27, 2023 |
| Instrument | 1470482 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5812 VERNON LN, EDINA, MN 55436-2250 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Greenwood Township |
| Unified School District | St. Louis County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,696.00 (+29.74%) | ||
| 2025 | $5,932.00 (-1.03%) | $804,100 (+20.77%) Land $292,900 Building $511,200 | $804,100 (+20.77%) Land $292,900 Building $511,200 |
| 2024 | $5,994.00 (+4.03%) | $665,800 (+10.89%) Land $236,900 Building $428,900 | $665,800 (+10.89%) Land $236,900 Building $428,900 |
| 2023 | $5,762.00 | ||
| 2022 | $600,400 (+20.06%) Land $211,000 Building $389,400 | $600,400 (+20.06%) Land $211,000 Building $389,400 | |
| 2021 | $500,100 Land $181,700 Building $318,400 | $500,100 Land $181,700 Building $318,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 23 individual NFIP policies nearby |
| Nearby Flood Policies | 23 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None 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.
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
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Consolidated Telephone Company | Fiber | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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