95118 Grassy Pt S, Tower, MN 55790 Property Records

St. Louis County property record for 95118 Grassy Pt S, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 780 sqft · built 2009
Lot Size	2.72 acres (118,483 sqft)
Owner	2 Individual Names on File
Last Sale	$148,000 (Dec 2025)
Tax Bill	$3,476 (2026)
Deeds & Mortgages	May 2018 Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`387-0020-03928`

Property Details

APN / Parcel Number

Primary APN	`387-0020-03928`
Alternative APNs	`1049898` `744853`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	780 sqft Gross Area
1st Floor Area	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2015
Architectural Style	Rustic
Exterior Material	Block
Construction Type	Frame
Foundation Type	Stone
Lot Area	118,483 sqft (2.72 acres)

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Deck Area	Deck Area
Cabin	144 sqft
Storage Building	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	744853
Street Address	95118 GRASSY PT S
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PART OF GOVT LOT 5, DESCRIBED ASFOLLOWS: COMMENCING AT AN ALUMINUM CAPPEDSTEEL PIPE WHICH IS THE WITNESS CORNER TO
Legal Range	16W
Legal Township	63N
Legal Section	31
Legal Subdivision	GREENWOOD TOWN OF
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1165
Census Tract	15502

Owner

95118 Grassy Pt S, a residential property, is owned by two individuals who bought it in December 2025.

Source: St. Louis County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8330 ALPINE DR NW, RAMSEY, MN 55303-4752
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 23, 2018	Deed of Trust, Mortgage NORTHERN ST BK/VA
Apr 25, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2025 · Amount on File
Deed Sale	Dec 18, 2025 · Amount on File
Prior Sale	Aug 12, 2003 · Amount on File
Deed Document Number	20251524368
Prior Transfer Date	Apr 21, 2018
Prior Transfer Doc	0001331641
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	95118 GRASSY PT, TOWER, MN 55790
Document Number	00A1333897
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Jun 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8330 ALPINE DR NW RAMSEY MN 553034752, RAMSEY, MN 55303-4752

Mortgage

Document Number	00A1333897
Date	Jun 4, 2018
Instrument	A1333897

Lender

Name	NORTHERN ST BK/VA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 3, 2028

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 25, 2018
Property Address	95118 GRASSY PT, TOWER, MN 55790
Document Number	00A1331641
Instrument Date	Apr 21, 2018
Instrument	A1331641
Transaction Type	Transfer
Record Updated	May 8, 2018

Transaction

Amount	Amount on Record
Tax	$75.90
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8330 ALPINE DR NW RAMSEY MN 553034752, RAMSEY, MN 55303-4752

Tax Assessment & Valuation

The 2026 property tax bill for 95118 Grassy Pt S was $3,476, up 51.1% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Greenwood Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,476.00 (+51.13%)
2025	$2,300.00 (+24.46%)	$383,600 (+41.34%) Land $169,500 Building $214,100	$383,600 (+41.34%) Land $169,500 Building $214,100
2024	$1,848.00	$271,400 Land $160,700 Building $110,700	$271,400 Land $160,700 Building $110,700
2022		$215,200 Land $129,200 Building $86,000	$215,200 Land $129,200 Building $86,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 95118 Grassy Pt S in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 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 File median of 23 policies
Nearby Flood Policies	23 in force

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.

Wildfire

Wildfire risk around 95118 Grassy Pt S is moderate, ranking above 45% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 75% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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