412 2nd St N, Tower, MN 55790 Property Records

St. Louis County property record for 412 2nd St N, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 2,062 sqft · built 1958
Lot Size	0.321 acres (13,996 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Apr 2026)
Tax Bill	$1,712 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-0010-01660`

Property Details

APN / Parcel Number

Primary APN	`080-0010-01660`
Alternative APNs	`1196599` `555330`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,062 sqft Gross Area
1st Floor Area	1,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Stucco
Construction Type	Frame
Lot Area	13,996 sqft (0.321 acres)
Garage Area	1,680 sqft
Deck Area	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Wood

Location & Zoning

Account Number	1196599
Street Address	412 2ND ST N
City	TOWER
State	MN
Zip	55790-0003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 AND 6, BLOCK 15 SERIAL #
Legal Subdivision	TOWER
Legal Block	15
Legal Lot Number	5-6
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 August 17, 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	2 Individual Names on File
Mailing Address	PO BOX 752, TOWER, MN 55790-0752
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Oct 27, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on File
Deed Sale	Apr 24, 2026 · Amount on File
Deed Document Number	20261531433
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 24, 2026
Property Address	412 2ND ST N, TOWER, MN 55790-0003
Document Number	0001531433
Instrument Date	Apr 3, 2026
Instrument	2026.1531433
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,659.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0001531434,
Date	Apr 24, 2026
Instrument	2026.1531434

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	412 2ND ST N, TOWER, MN 55790-0003
Document Number	00A1321467
Instrument Date	Oct 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 N SECOND ST TOWER MN 557902103, TOWER, MN 55790-2103

Mortgage

Document Number	00A1321467
Date	Nov 3, 2017
Instrument	A1321467

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 2, 2032

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	$1,712.00 (+54.79%) Homeowner's exemption
2025	$1,106.00 (-13.46%) Homeowner's exemption	$222,000 (+80.05%) Land $11,900 Building $210,100	$222,000 (+80.05%) Land $11,900 Building $210,100
2024	$1,278.00	$123,300 (+31.03%) Land $11,900 Building $111,400	$123,300 (+31.03%) Land $11,900 Building $111,400
2022		$94,100 Land $10,800 Building $83,300	$94,100 Land $10,800 Building $83,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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.

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 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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