509 Main St, Tower, MN 55790 Property Records

St. Louis County property record for 509 Main St, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	2,964 sqft · built 1890
Lot Size	0.12 acres (5,234 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Oct 2006)
Tax Bill	$1,540 (2026)
Deeds & Mortgages	Oct 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`080-0010-02320`

Property Details

APN / Parcel Number

Primary APN	`080-0010-02320`
Alternative APN	`878394`

Interior

Stories	2 Stories
Building Area	2,964 sqft Gross Area
1st Floor Area	1,674 sqft
Basement Area	1,200 sqft
Flooring	Ceramic Tile
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1989
Exterior Material	Metal
Lot Area	5,234 sqft (0.12 acres)
Garage Area	896 sqft
Canopy	64 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Forced Air with A/C

Location & Zoning

Account Number	878394
Street Address	509 MAIN ST
City	TOWER
State	MN
Zip	55790-5000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12, BLOCK 20 EXCEPT EASTERLY 12 6/10 FT SERIAL #
Legal Subdivision	TOWER
Legal Block	20
Legal Lot Number	12
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2083
Census Tract	15402

Owner

Source: St. Louis County assessment roll, 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 File
Mailing Address	PO BOX 470, TOWER, MN 55790-0470
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 27, 2006 · Amount on Record
Deed Sale	Oct 27, 2006 · Amount on Record
Prior Sale	Jul 19, 2005 · Amount on Record
Deed Document Number	20061033735
Record Updated	Sep 20, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	509 MAIN ST, TOWER, MN 55790-5000
Document Number	00A1369437
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 MAIN ST TOWER MN 557905000, TOWER, MN 55790-5000

Mortgage

Document Number	00A1369437
Date	Dec 12, 2019
Instrument	A1369437

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	TOWER, MN 55790

Agreement

Term	36 Months
Due	Dec 11, 2022

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	$1,540.00 (-0.13%) Homeowner's exemption
2025	$1,542.00 (-14.52%) Homeowner's exemption	$114,800 (+18.96%) Land $4,800 Building $110,000	$114,800 (+18.96%) Land $4,800 Building $110,000
2024	$1,804.00	$96,500 (+10.79%) Land $4,800 Building $91,700	$96,500 (+10.79%) Land $4,800 Building $91,700
2022		$87,100 Land $4,200 Building $82,900	$87,100 Land $4,200 Building $82,900

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

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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