709 2nd St N, Tower, MN 55790 Property Records

St. Louis County property record for 709 2nd St N, Tower, MN 55790

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,808 sqft
Lot Size	0.16 acres (6,998 sqft)
Owner	Individual Name on Record
Last Sale	$84,000 (Sep 2022)
Tax Bill	$1,672 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`080-0010-03950`

Property Details

APN / Parcel Number

Primary APN	`080-0010-03950`
Alternative APNs	`1108967` `1136402`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,808 sqft Gross Area
1st Floor Area	1,496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,998 sqft (0.16 acres)
Garage Area	780 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1136402
Street Address	709 2ND ST N
City	TOWER
State	MN
Zip	55790-0006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0012 BLOCK:031 SERIAL #
Legal Subdivision	TOWER
Legal Block	31
Legal Lot Number	12
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	709 2ND ST N, TOWER, MN 55790-0006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Warranty Deed, Transfer · Conventional Mortgage THE MINERS NATIONAL BANK OF EVELETH
May 18, 2021	Affidavit of Death of Joint Tenant, Transfer
May 18, 2021	Intrafamily Transfer, Transfer
Dec 24, 2019	Deed of Trust, Mortgage · Line of Credit MINERS NAT'L BK/EVELETH
May 31, 2017	Loan Modification, Mortgage · Conventional Mortgage EMBARRASS VERMILLION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2022 · Amount on Record
Deed Sale	Sep 7, 2022 · Amount on Record
Deed Document Number	20221451385
Prior Transfer Date	Jan 22, 2021
Prior Transfer Doc	0001414300
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 7, 2022
Property Address	709 2ND ST N, TOWER, MN 55790-0006
Document Number	0001451385
Instrument Date	Aug 24, 2022
Instrument	1451385
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ST LOUIS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.20
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 2ND ST N, TOWER, MN 55790-0006

Mortgage

Document Number	0001451386
Date	Sep 7, 2022
Instrument	1451386

Lender

Name	THE MINERS NATIONAL BANK OF EVELETH
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 24, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	8.5%
Index	Other
Max Rate	15.5%

May 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	May 18, 2021
Property Address	709 2ND ST N, TOWER, MN 55790-0006
Document Number	0001414299
Instrument Date	Mar 10, 2021
Instrument	1414299
Transaction Type	Transfer
Record Updated	Jun 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 472, TOWER, MN 55790-0472

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	May 18, 2021
Property Address	709 2ND ST N, TOWER, MN 55790-0006
Document Number	0001414300
Instrument Date	Jan 22, 2021
Instrument	1414300
Transaction Type	Transfer
Record Updated	Jun 24, 2021

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	709 2ND ST N, TOWER, MN 55790-0006

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	709 2ND ST N, TOWER, MN 55790-0006
Document Number	00A1370783
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	709 N SECOND ST TOWER MN 557902106, TOWER, MN 55790-2106

Mortgage

Document Number	00A1370783
Date	Jan 6, 2020
Instrument	A1370783

Lender

Name	MINERS NAT'L BK/EVELETH
Type	Bank
Address	EVELETH, MN 55734

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 5, 2035

Interest

Rate Type	Adjustable Rate

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	709 2ND ST N, TOWER, MN 55790-0006
Document Number	00A1310778
Instrument Date	May 31, 2017
Transaction Type	Mortgage
Record Updated	Jun 23, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	00A1310778
Date	Jun 8, 2017
Instrument	A1310778

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jun 7, 2020

Interest

Rate	5.75%

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	$1,672.00 (+11.32%) Homeowner's exemption
2025	$1,502.00 (-8.08%) Homeowner's exemption	$160,300 (+11.17%) Land $6,000 Building $154,300	$160,300 (+11.17%) Land $6,000 Building $154,300
2024	$1,634.00	$144,200 (+32.66%) Land $6,000 Building $138,200	$144,200 (+32.66%) Land $6,000 Building $138,200
2022		$108,700 Land $5,400 Building $103,300	$108,700 Land $5,400 Building $103,300

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 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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