St. Louis County property record for 406 2nd St N, Tower, MN 55790
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,139 sqft |
| Lot Size | 0.16 acres (6,998 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $442 (2026) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-0010-01630 |
| Primary APN | 080-0010-01630 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,139 sqft Gross Area |
| 1st Floor Area | 651 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Wood |
|---|---|
| Construction Type | Frame |
| Lot Area | 6,998 sqft (0.16 acres) |
| Garage Area | 456 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 300 sqft |
| Deck Area | 12 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1194526 |
|---|---|
| Street Address | 406 2ND ST N |
| City | TOWER |
| State | MN |
| Zip | 55790-0003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0003 BLOCK:015 SERIAL # |
| Legal Subdivision | TOWER |
| Legal Block | 15 |
| Legal Lot Number | 3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | TOWER |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 15402 |
406 2nd St N is owned and occupied by two individuals who acquired it in June 2004.
Source: St. Louis County records, as of August 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 2ND ST N, TOWER, MN 55790-0003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 30, 2004 |
| Transfer Doc | 0000950815 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 10, 2026 |
| Property Address | 406 2ND ST N, TOWER, MN 55790-0003 |
| Document Number | 0001527702 |
| Instrument Date | Feb 6, 2026 |
| Instrument | 1527702 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 406 2ND ST N, TOWER, MN 55790-0003 |
| Document Number | 0001527703 |
|---|---|
| Date | Feb 10, 2026 |
| Instrument | 1527703 |
| Name | NORTH STAR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
The 2026 property tax bill for 406 2nd St N was $442 with a homeowner's exemption, up 10.5% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Tower City |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $442.00 (+10.5%) Homeowner's exemption | ||
| 2025 | $400.00 (-14.53%) Homeowner's exemption | $83,100 (+20.43%) Land $6,000 Building $77,100 | $83,100 (+20.43%) Land $6,000 Building $77,100 |
| 2024 | $468.00 | $69,000 Land $6,000 Building $63,000 | $69,000 Land $6,000 Building $63,000 |
| 2022 | $52,500 Land $5,400 Building $47,100 | $52,500 Land $5,400 Building $47,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 2nd St N in Zone X, an area of minimal flood risk.
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 risk around 406 2nd St N is moderate, ranking above 43% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 73% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 167 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CTC.
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