502 Main St, Tower, MN 55790 Property Records

St. Louis County property record for 502 Main St, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	1,600 sqft · built 2005
Lot Size	0.16 acres (6,998 sqft)
Owner	Company Name on Record
Last Sale	$144,000 (Jul 2021)
Tax Bill	$3,102 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`080-0010-02400`

Property Details

APN / Parcel Number

Primary APN	`080-0010-02400`
Alternative APNs	`1113509` `1157954`

Interior

Stories	2 Stories
Building Area	1,600 sqft Gross Area
1st Floor Area	800 sqft
Flooring	Carpet
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	6,998 sqft (0.16 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1157954
Street Address	502 MAIN ST
City	TOWER
State	MN
Zip	55790-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0001 BLOCK:021 SERIAL #
Legal Subdivision	TOWER
Legal Block	21
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2057
Census Tract	15402

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	Company Name on Record
Mailing Address	6466 CYPRESS LN, GILBERT, MN 55741-8216
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Commercial Mortgage FRANDSEN BANK & TRUST
Jul 23, 2021	Warranty Deed, Transfer · Line of Credit FRANDSEN BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Prior Sale	Aug 5, 2014 · Amount on Record
Deed Document Number	20211419893
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	502 MAIN ST, TOWER, MN 55790-5004
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001422233
Date	Aug 18, 2021
Instrument	1422233

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	TOWER, MN 55790

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 24, 2022

Interest

Rate Type	Adjustable Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 23, 2021
Property Address	502 MAIN ST, TOWER, MN 55790-5004
Document Number	0001419893
Instrument Date	Jul 22, 2021
Instrument	1419893
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 FAIRMONT ST, DULUTH, MN 55803-1968

Mortgage

Document Number	0001419894
Date	Jul 23, 2021
Instrument	1419894

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 14, 2036

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	$3,102.00 (+10.16%)
2025	$2,816.00 (-2.7%)	$146,400 (+28.2%) Land $6,300 Building $140,100	$146,400 (+28.2%) Land $6,300 Building $140,100
2024	$2,894.00	$114,200 (+9.39%) Land $6,300 Building $107,900	$114,200 (+9.39%) Land $6,300 Building $107,900
2022		$104,400 Land $5,700 Building $98,700	$104,400 Land $5,700 Building $98,700

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

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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