4058 Clover Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 4058 Clover Point Rd, Tower, MN 55790 · Last verified August 2026

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 923 sqft
Lot Size	0.654 acres (28,492 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Sep 2019)
Tax Bill	$5,712 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`387-0110-00370`

Property Details

APN / Parcel Number

Primary APN	`387-0110-00370`
Alternative APN	`1077291`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	923 sqft Gross Area
1st Floor Area	832 sqft
Basement Area	416 sqft
Finished Basement	416 sqft

Exterior

Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Lot Area	28,492 sqft (0.654 acres)
Garage Area	728 sqft

Exterior Amenities

Porch	Slab
Porch Area	234 sqft
Deck Area	36 sqft
Storage Building	32 sqft
Boat House	520 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1077291
Street Address	4058 CLOVER POINT RD
City	TOWER
State	MN
Zip	55790-8148
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT: 0028 BLOCK:000 SERIAL #
Legal Subdivision	CLOVER POINT
Legal Lot Number	28
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1271
Census Tract	15502

Owner

Source: St. Louis County records · APN 387-0110-00370

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 Individual Names on File
Mailing Address	21912 CARRBRIDGE CT, LAKEVILLE, MN 55044-3301
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 11, 2019 · Amount on Record
Deed Sale	Sep 11, 2019 · Amount on Record
Prior Sale	Apr 16, 2004 · Amount on Record
Deed Document Number	20191363114
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 11, 2019
Property Address	4058 CLOVER POINT RD, TOWER, MN 55790-8148
Document Number	00A1363114
Instrument Date	Aug 23, 2019
Instrument	A1363114
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,584.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21912 CARRBRIDGE CT LAKEVILLE MN 550443301, LAKEVILLE, MN 55044-3301

Mortgage

Document Number	A1363115
Date	Sep 11, 2019
Instrument	A1363115

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 10, 2034

Tax Assessment & Valuation

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

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	$5,712.00 (+29.88%)
2025	$4,398.00 (-0.99%)	$624,300 (+20.41%) Land $208,400 Building $415,900	$624,300 (+20.41%) Land $208,400 Building $415,900
2024	$4,442.00	$518,500 (+10.53%) Land $167,100 Building $351,400	$518,500 (+10.53%) Land $167,100 Building $351,400
2022		$469,100 Land $150,100 Building $319,000	$469,100 Land $150,100 Building $319,000

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 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 4 of 23 on primary residences

Wildfire

Wildfire Risk	Low above 5% of the US · above 18% of Minnesota
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.