514 2nd St N, Tower, MN 55790 Property Records

St. Louis County property record for 514 2nd St N, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,024 sqft
Lot Size	0.16 acres (6,998 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Jul 2020)
Tax Bill	$1,734 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Jun 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-0010-02250`

Property Details

APN / Parcel Number

Primary APN	`080-0010-02250`
Alternative APN	`937266`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,024 sqft Gross Area
1st Floor Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,998 sqft (0.16 acres)

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Deck Area	175 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	937266
Street Address	514 2ND ST N
City	TOWER
State	MN
Zip	55790-0004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, BLOCK 20 SERIAL #
Legal Subdivision	TOWER
Legal Block	20
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2053
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	Individual Name on Record
Mailing Address	PO BOX 206, SOUDAN, MN 55782-0206
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Line of Credit HIGHLAND BANK
Jun 23, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 20, 2020	Warranty Deed, Transfer · Line of Credit BOUNDARY WATERS ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Prior Sale	Feb 11, 2005 · Amount on Record
Deed Document Number	20201026062
Last Transfer Date	May 7, 2026
Transfer Doc	0001102683
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Oct 8, 2026
Property Address	514 2ND ST N, TOWER, MN 55790-0004
Document Number	0001106844
Instrument Date	Sep 30, 2026
Instrument	20261106844
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 2ND ST N, TOWER, MN 55790-0004

Mortgage

Document Number	0001106844,
Date	Oct 8, 2026
Instrument	20261106844

Lender

Name	HIGHLAND BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 30, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 23, 2026
Property Address	514 2ND ST N, TOWER, MN 55790-0004
Document Number	0001102683
Instrument Date	May 7, 2026
Instrument	20261102683
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$166.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 20, 2020
Property Address	514 2ND ST N, TOWER, MN 55790-0004
Document Number	00T1026062
Instrument Date	Jul 10, 2020
Instrument	T1026062
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 206 SOUDAN MN 557820206, SOUDAN, MN 55782-0206

Mortgage

Document Number	T1026063
Date	Jul 20, 2020
Instrument	T1026063

Lender

Name	BOUNDARY WATERS ST BK
Type	Bank
Address	ELY, MN 55731

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Interest

Rate Type	Adjustable Rate

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	$1,734.00 (+13.63%)
2025	$1,526.00 (+9.16%)	$101,800 (+21.48%) Land $6,000 Building $95,800	$101,800 (+21.48%) Land $6,000 Building $95,800
2024	$1,398.00	$83,800 (+31.97%) Land $6,000 Building $77,800	$83,800 (+31.97%) Land $6,000 Building $77,800
2022		$63,500 Land $5,400 Building $58,100	$63,500 Land $5,400 Building $58,100

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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