5645 Ely Island N, Tower, MN 55790 Property Records

St. Louis County property record for 5645 Ely Island N, Tower, MN 55790

Property Summary

Property Type	Other Improved
Lot Size	2.64 acres (114,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$82,500 (Jun 2025)
Tax Bill	$392 (2026)
Deeds & Mortgages	Jun 2025 Sale Sep 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`270-0020-01502`

Property Details

APN / Parcel Number

Primary APN	`270-0020-01502`
Alternative APNs	`1120590` `1183764`

Interior

Stories	1 Story

Exterior

Exterior Material	Wood
Construction Type	Frame
Lot Area	114,998 sqft (2.64 acres)

Location & Zoning

Account Number	1183764
Street Address	5645 ELY IS N
City	TOWER
State	MN
Zip	55790-4404
Property Category	Other
Property Type	Other > Other Improved
Legal Description	PART OF LOT 4 BEG ON N LINE 262.40 FT WLY OFNE COR THENCE WLY ALONG N LINE 450 FT TO LAKESHORE THENCE SWLY ALONG SHORELINE
Legal Range	15W
Legal Township	62N
Legal Section	17
Legal Subdivision	BREITUNG TOWN OF
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	BREITUNG
Census Block Group	2
Census Block	2004
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	2 Individual Names on Record
Mailing Address	20409 XAVIS ST NW, CEDAR, MN 55011-9165
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2025	Warranty Deed, Transfer ALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE CO LLC
Sep 22, 2017	Loan Modification, Mortgage NORTHERN ST BK/VA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Prior Sale	Oct 1, 2005 · Amount on Record
Deed Document Number	20251512270
Record Updated	Sep 20, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2025
Property Address	5645 ELY IS N, TOWER, MN 55790-4404
Document Number	0001512270
Instrument Date	May 24, 2025
Instrument	1512270
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	ALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$272.25
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	20409 XAVIS ST NW, OAK GROVE, MN 55011-9165

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	TOWER, MN 55790
Document Number	00A1319271
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8348 JONQUIL LN N MAPLE GROVE MN 553693064, MAPLE GROVE, MN 55369-3064

Mortgage

Document Number	00A1319271
Date	Oct 4, 2017
Instrument	A1319271

Lender

Name	NORTHERN ST BK/VA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 3, 2027

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	Breitung Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$392.00
2025	$392.00 (+23.27%)	$93,000 (+141.56%) Land $92,300 Building $700	$93,000 (+141.56%) Land $92,300 Building $700
2024	$318.00 (-4.79%)	$38,500 (+24.19%) Land $38,500	$38,500 (+24.19%) Land $38,500
2023	$334.00
2022		$31,000 (+20.62%) Land $31,000	$31,000 (+20.62%) Land $31,000
2021		$25,700 Land $25,700	$25,700 Land $25,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Low lower than 94% of the US · lower than 82% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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