613 2nd St S, Tower, MN 55790 Property Records

St. Louis County property record for 613 2nd St S, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft
Lot Size	0.08 acres (3,499 sqft)
Owner	Individual Name on Record
Last Sale	$62,500 (Jul 2023)
Tax Bill	$390 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-0010-03180`

Property Details

APN / Parcel Number

Primary APN	`080-0010-03180`
Alternative APNs	`1151451` `924483`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Other
Construction Type	Frame
Lot Area	3,499 sqft (0.08 acres)

Exterior Amenities

Porch	Porch
Porch Area	230 sqft
Deck Area	9 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1151451
Street Address	613 2ND ST S
City	TOWER
State	MN
Zip	55790-0009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 OF LOT 10, BLOCK 26 SERIAL #
Legal Subdivision	TOWER
Legal Block	26
Legal Lot Number	10
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 October 9, 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	613 2ND ST S, TOWER, MN 55790-0009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Line of Credit FRANDSEN BANK & TRUST
Jul 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST
Jul 17, 2023	Quit Claim Deed, Transfer NORTHEAST TITLE COMPANY
May 1, 2018	Loan Modification, Mortgage · Conventional Mortgage EMBARRASS VERMILLION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	Jun 10, 2011 · Amount on Record
Deed Document Number	20231470135
Prior Transfer Date	Jul 1, 2023
Prior Transfer Doc	0001470134
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	613 2ND ST S, TOWER, MN 55790-0009
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001472177
Date	Aug 17, 2023
Instrument	1472177

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	ELY, MN 55731

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 27, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 17, 2023
Property Address	613 2ND ST S, TOWER, MN 55790-0009
Document Number	0001470135
Instrument Date	Jul 10, 2023
Instrument	1470135
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$206.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	413 2ND ST S, TOWER, MN 55790

Mortgage

Document Number	0001470136
Date	Jul 17, 2023
Instrument	1470136

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 17, 2023
Property Address	613 2ND ST S, TOWER, MN 55790-0009
Document Number	0001470134
Instrument Date	Jul 1, 2023
Instrument	1470134
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	NORTHEAST TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 2ND ST S, TOWER, MN 55790-0009

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	613 2ND ST S, TOWER, MN 55790-0009
Document Number	00A1332365
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	613 S SECOND ST TOWER MN 557902304, TOWER, MN 55790-2304

Mortgage

Document Number	00A1332365
Date	May 7, 2018
Instrument	A1332365

Lender

Name	EMBARRASS VERMILLION FCU
Type	Credit Union
Address	AURORA, MN 55705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	May 6, 2021

Interest

Rate	6.25%

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	$390.00 (+4.84%) Homeowner's exemption
2025	$372.00 (+0.54%) Homeowner's exemption	$69,600 (+10.65%) Land $3,000 Building $66,600	$69,600 (+10.65%) Land $3,000 Building $66,600
2024	$370.00 (-60.72%)	$62,900 (+41.03%) Land $3,000 Building $59,900	$62,900 (+41.03%) Land $3,000 Building $59,900
2023	$942.00
2022		$44,600 (+14.95%) Land $2,700 Building $41,900	$44,600 (+14.95%) Land $2,700 Building $41,900
2021		$38,800 Land $2,300 Building $36,500	$38,800 Land $2,300 Building $36,500

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
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	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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