4517 Wilson Point Rd, Tower, MN 55790 Property Records

St. Louis County property record for 4517 Wilson Point Rd, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 1,632 sqft · built 1980
Lot Size	0.469 acres (20,468 sqft)
Owner	Individual Name on Record
Last Sale	$449,500 (Dec 2020)
Tax Bill	$5,326 (2026)
Deeds & Mortgages	May 2026 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`387-0460-00170`

Property Details

APN / Parcel Number

Primary APN	`387-0460-00170`
Alternative APN	`1102376`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,632 sqft Gross Area
1st Floor Area	144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2015
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	20,468 sqft (0.469 acres)
Garage Area	1,248 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	64 sqft
Storage Building	120 sqft
Boat House	560 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1102376
Street Address	4517 WILSON POINT RD
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 17, 18, & ELY 25 FT OF LOT 19 SERIAL #
Legal Subdivision	WILSON POINT
Legal Lot Number	17-19
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1273
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	111 3RD AVE NE, STEWARTVILLE, MN 55976-1210
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Dec 28, 2020	Grant Deed, Transfer · Conventional Mortgage STERLING ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Deed Document Number	20201034297
Prior Transfer Date	Jun 16, 2014
Prior Transfer Doc	000T945529
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	May 19, 2026
Property Address	4517 WILSON POINT RD, TOWER, MN 55790
Document Number	0001101669
Instrument Date	May 6, 2026
Instrument	20261101669
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001101669,
Date	May 19, 2026
Instrument	20261101669

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 28, 2020
Property Address	4517 WILSON POINT RD, TOWER, MN 55790
Document Number	00T1034297
Instrument Date	Nov 19, 2020
Instrument	T1034297
Transaction Type	Transfer
Record Updated	Feb 1, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,483.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 3RD AVE NE STEWARTVILLE MN 559761210, STEWARTVILLE, MN 55976-1210

Mortgage

Document Number	T1034298
Date	Dec 28, 2020
Instrument	T1034298

Lender

Name	STERLING ST BK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

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	$5,326.00 (+15.08%)
2025	$4,628.00 (+4.47%)	$755,700 (+39.79%) Land $334,800 Building $420,900	$755,700 (+39.79%) Land $334,800 Building $420,900
2024	$4,430.00	$540,600 (+6.82%) Land $304,300 Building $236,300	$540,600 (+6.82%) Land $304,300 Building $236,300
2022		$506,100 Land $279,400 Building $226,700	$506,100 Land $279,400 Building $226,700

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Wilson Point Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures