St. Louis County property record for 95058 Smarts Bay, Tower, MN 55790
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 704 sqft |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,000 (Jul 2024) |
| Tax Bill | $1,746 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 387-0020-03813 |
| Primary APN | 387-0020-03813 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 704 sqft Gross Area |
| 1st Floor Area | 704 sqft |
| Architectural Style | Rustic |
|---|---|
| Exterior Material | Logs |
| Construction Type | Log |
| Lot Area | 174,240 sqft (4 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 165 sqft |
| Storage Building | 80 sqft |
| Sauna | Sauna |
| Heating Fuel | Wood |
|---|
| Account Number | 944657 |
|---|---|
| Street Address | 95058 SMARTS BAY |
| City | TOWER |
| State | MN |
| Zip | 55790 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | THAT PART OF LOT 3 LYING EAST OF A LINEBEGINNING 260 FT EAST OF NW CORNERTHENCE SOUTH 1080 FT THENCE SOUTH 13 DEGEAST TO |
| Legal Range | 16W |
| Legal Township | 63N |
| Legal Section | 30 |
| Legal Subdivision | GREENWOOD TOWN OF |
| Legal Lot Number | 3 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GREENWOOD |
| Census Block Group | 1 |
| Census Block | 1165 |
| Census Tract | 15502 |
Source: St. Louis County records · APN 387-0020-03813
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 830 STONEBRIDGE LN, CRYSTAL LAKE, IL 60014-1821 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 12, 2024 · Amount on Record |
| Deed Sale | Jul 12, 2024 · Amount on Record |
| Deed Document Number | 20241491439 |
| Last Transfer Date | Dec 20, 2024 |
| Transfer Doc | 0001503754 |
| Record Updated | Sep 20, 2026 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Greenwood Township |
| Unified School District | St. Louis County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,746.00 (+27.63%) | ||
| 2025 | $1,368.00 (+23.02%) | $190,200 (+19.32%) Land $127,600 Building $62,600 | $190,200 (+19.32%) Land $127,600 Building $62,600 |
| 2024 | $1,112.00 | $159,400 (+24.92%) Land $122,300 Building $37,100 | $159,400 (+24.92%) Land $122,300 Building $37,100 |
| 2022 | $127,600 Land $98,800 Building $28,800 | $127,600 Land $98,800 Building $28,800 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), as of March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370155021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| 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 |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Nearby Flood Policies | 23 in force |
| Wildfire Risk | Moderate above 69% of the US · above 88% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
Based on FCC filings for 11 locations within half a mile of this property.
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