4241 Nelson Rd, Tower, MN 55790 Property Records

St. Louis County property record for 4241 Nelson Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 0.5 ba · 672 sqft · built 1963
Lot Size	0.137 acres (5,987 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jul 2021)
Tax Bill	$2,096 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`387-0435-00090`

Property Details

APN / Parcel Number

Primary APN	`387-0435-00090`
Alternative APN	`1113500`

Interior

Bedrooms	2 Beds
Full Baths	0.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	672 sqft Gross Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	5,987 sqft (0.137 acres)
Deck Area	136 sqft
Storage Building	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1113500
Street Address	4241 NELSON RD
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT: 0009 BLOCK:000 SERIAL #
Legal Subdivision	VERMILION POINT
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1269
Census Tract	15502

Owner

Source: St. Louis County records, as of August 17, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	13800 45TH PL NE, SAINT MICHAEL, MN 55376-4563
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST
Jul 22, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2021 · Amount on Record
Deed Sale	Jul 22, 2021 · Amount on Record
Prior Sale	Oct 26, 2012 · Amount on Record
Deed Document Number	20211044178
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 22, 2021
Property Address	4241 NELSON RD, TOWER, MN 55790
Document Number	0001044178
Instrument Date	Jul 16, 2021
Instrument	1044178
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	13800 45TH PL NE, SAINT MICHAEL, MN 55376-4563

Mortgage

Document Number	0001044179
Date	Jul 22, 2021
Instrument	1044179

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.65%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.65%
Index	3-Year CMT
Margin	2
Max Rate	9.65%

July 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Jul 22, 2021
Property Address	4241 NELSON RD, TOWER, MN 55790
Document Number	0001044177
Instrument Date	Jul 16, 2021
Instrument	1044177
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1953 NORWAY RD, COOK, MN 55723-8187

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,096.00 (+26.88%)
2025	$1,652.00 (-0.84%)	$236,000 (+21.96%) Land $127,100 Building $108,900	$236,000 (+21.96%) Land $127,100 Building $108,900
2024	$1,666.00	$193,500 (+10.01%) Land $98,900 Building $94,600	$193,500 (+10.01%) Land $98,900 Building $94,600
2022		$175,900 Land $90,000 Building $85,900	$175,900 Land $90,000 Building $85,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

May also be available: CTC, Verizon.

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