605 2nd St S, Tower, MN 55790 Property Records

St. Louis County property record for 605 2nd St S, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,040 sqft · built 1980
Lot Size	0.16 acres (6,998 sqft)
Owner	Individual Name on File
Tax Bill	$1,618 (2026)
Deeds & Mortgages	Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`080-0010-03220`

Property Details

APN / Parcel Number

Primary APN	`080-0010-03220`
Alternative APN	`1084428`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,040 sqft Gross Area
1st Floor Area	1,040 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,998 sqft (0.16 acres)
Garage Area	672 sqft

Exterior Amenities

Porch	Screened Porch
Porch Area	78 sqft
Deck Area	112 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1084428
Street Address	605 2ND ST S
City	TOWER
State	MN
Zip	55790-0009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0014 BLOCK:026 SERIAL #
Legal Subdivision	TOWER
Legal Block	26
Legal Lot Number	14
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2056
Census Tract	15402

Owner

605 2nd St S is owned and occupied by an individual who acquired it in October 2019.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 571, TOWER, MN 55790-0571
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 31, 2019
Transfer Doc	0001371711
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	605 2ND ST S, TOWER, MN 55790-0009
Document Number	00A1371712
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 S SECOND ST TOWER MN 557902304, TOWER, MN 55790-2304

Mortgage

Document Number	00A1371712
Date	Jan 17, 2020
Instrument	A1371712

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 16, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 605 2nd St S was $1,618 with a homeowner's exemption, up 1.9% from the year before.

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	$1,618.00 (+1.89%) Homeowner's exemption
2025	$1,588.00 (-7.35%) Homeowner's exemption	$154,200 (+5.4%) Land $6,000 Building $148,200	$154,200 (+5.4%) Land $6,000 Building $148,200
2024	$1,714.00	$146,300 Land $6,000 Building $140,300	$146,300 Land $6,000 Building $140,300
2022		$110,300 Land $5,400 Building $104,900	$110,300 Land $5,400 Building $104,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 605 2nd St S in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 605 2nd St S is moderate, ranking above 43% of the US, with a 0.06% annual chance of 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	0.06% 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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