610 Main St, Tower, MN 55790 Property Records

St. Louis County property record for 610 Main St, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,998 sqft)
Owner	2 Individual Names on Record
Tax Bill	$324 (2026)
Deeds & Mortgages	May 2025 Mortgage May 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-0010-03100`

Property Details

APN / Parcel Number

Primary APN	`080-0010-03100`
Alternative APNs	`1182306` `73562`

Interior

Stories	1 Story

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,998 sqft (0.16 acres)
Garage Area	1,200 sqft

Location & Zoning

Account Number	1182306
Street Address	610 MAIN ST
City	TOWER
State	MN
Zip	55790-5108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:026 SERIAL #
Legal Subdivision	TOWER
Legal Block	26
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2056
Census Tract	15402

Owner

Source: St. Louis County records, as of August 20, 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	610 MAIN ST, TOWER, MN 55790-5108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 14, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage THE MINERS NATIONAL BANK OF EVELETH
May 8, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage THE MINERS NATIONAL BANK OF EVELETH
Dec 20, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 25, 2025
Transfer Doc	0001510145
Record Updated	Sep 20, 2026

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	May 14, 2025
Property Address	610 MAIN ST, TOWER, MN 55790-5108
Document Number	0001510145
Instrument Date	Apr 25, 2025
Instrument	1510145
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	610 MAIN ST, TOWER, MN 55790-5108

Mortgage

Document Number	0001510146
Date	May 14, 2025
Instrument	1510146

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2040

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	May 8, 2025
Property Address	610 MAIN ST, TOWER, MN 55790-5108
Document Number	0001089966
Instrument Date	Apr 25, 2025
Instrument	1089966
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	610 MAIN ST, TOWER, MN 55790-5108

Mortgage

Document Number	0001089967
Date	May 8, 2025
Instrument	1089967

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2040

December 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Dec 20, 2024
Property Address	610 MAIN ST, TOWER, MN 55790-5108
Document Number	0001086157
Instrument Date	Dec 16, 2024
Instrument	1086157
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 733, TOWER, MN 55790-0733

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	$324.00 (+2%) Homeowner's exemption
2025	$270.00 (+9.76%) Homeowner's exemption	$20,000 (+27.39%) Land $6,000 Building $14,000	$20,000 (+27.39%) Land $6,000 Building $14,000
2024	$246.00	$15,700 (+23.62%) Land $6,000 Building $9,700	$15,700 (+23.62%) Land $6,000 Building $9,700
2022		$12,700 Land $5,400 Building $7,300	$12,700 Land $5,400 Building $7,300

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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