707 2nd St N, Tower, MN 55790 Property Records

St. Louis County property record for 707 2nd St N, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1990
Lot Size	0.16 acres (6,998 sqft)
Owner	Individual Name on Record
Tax Bill	$192 (2026)
Deeds & Mortgages	Oct 2020 Loan Modification Oct 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`080-0010-03960`

Property Details

APN / Parcel Number

Primary APN	`080-0010-03960`
Alternative APN	`125170`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,216 sqft Gross Area
1st Floor Area	1,216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,998 sqft (0.16 acres)
Deck Area	160 sqft
Storage Building	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	125170
Street Address	707 2ND ST N
City	TOWER
State	MN
Zip	55790-0006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0013 BLOCK:031 SERIAL #
Legal Subdivision	TOWER
Legal Block	31
Legal Lot Number	13
Jurisdiction	ST LOUIS MN
Township / Civil Division	TOWER
Census Block Group	2
Census Block	2036
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	Individual Name on Record
Mailing Address	707 N SECOND ST, 695, TOWER, MN 55790-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2020	Loan Modification, Mortgage FRANDSEN BK&TR
Oct 20, 2017	Loan Modification, Mortgage · Line of Credit FRANDSEN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 15, 2024
Transfer Doc	0001499457
Record Updated	Sep 20, 2026

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	707 2ND ST N, TOWER, MN 55790-0006
Document Number	00A1395413
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 N SECOND ST TOWER MN 557902106, TOWER, MN 55790-2106

Mortgage

Document Number	00A1395413
Date	Nov 6, 2020
Instrument	A1395413

Lender

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

Agreement

Term	36 Months
Due	Nov 5, 2023

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	707 2ND ST N, TOWER, MN 55790-0006
Document Number	00A1321296
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 N SECOND ST TOWER MN 557902106, TOWER, MN 55790-2106

Mortgage

Document Number	00A1321296
Date	Nov 2, 2017
Instrument	A1321296

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Nov 1, 2020

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	$192.00 (-7.69%) Homeowner's exemption
2025		$24,900 (-7.78%) Land $6,000 Building $18,900	$24,900 (-7.78%) Land $6,000 Building $18,900
2024	$208.00	$27,000 (+27.96%) Land $6,000 Building $21,000	$27,000 (+27.96%) Land $6,000 Building $21,000
2022		$21,100 Land $5,400 Building $15,700	$21,100 Land $5,400 Building $15,700

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 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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