95240 Pine Island, Tower, MN 55790 Property Records

St. Louis County property record for 95240 Pine Island, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1,008 sqft · built 2023
Lot Size	12.2 acres (531,432 sqft)
Owner	Individual Name on File
Last Sale	$110,900 (Feb 2023)
Tax Bill	$2,624 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`387-0020-03301`

Property Details

APN / Parcel Number

Primary APN	`387-0020-03301`
Alternative APNs	`1109636` `1144631`

Interior

Bedrooms	2 Beds
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,008 sqft Gross Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Lot Area	531,432 sqft (12.2 acres)

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Deck Area	32 sqft
Storage Building	24 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	1144631
Street Address	95240 PINE IS
City	TOWER
State	MN
Zip	55790-8429
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PART OF GOVT LOT 6, DESCRIBED ASFOLLOWS: ASSUMING THE SOUTH LINE OF SAID GOVTLOT 6 TO BEAR S89DEG09'25"W AND FROM
Legal Range	16W
Legal Township	63N
Legal Section	26
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1248
Census Tract	15502

Owner

95240 Pine Island, a residential property, is owned by an individual who bought it in February 2023.

Source: St. Louis County records, as of October 20, 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 File
Mailing Address	1633 RIDDELL RD, COOK, MN 55723-8188
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2023 · Amount on File
Deed Sale	Feb 10, 2023 · Amount on File
Deed Document Number	20231065993
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 10, 2023
Property Address	95240 PINE IS, TOWER, MN 55790-8429
Document Number	0001065993
Instrument Date	Feb 1, 2023
Instrument	1065993
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.97
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1633 RIDDELL RD, COOK, MN 55723-8188

Mortgage

Document Number	0001065994
Date	Feb 10, 2023
Instrument	1065994

Lender

Name	FRANDSON BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	6.15%
Type Change Date	Apr 1, 2028
Change Frequency	3 Years
Min Rate At Change	4.99%
Max Rate At Change	12.1%
Index	3-Year CMT
Max Rate	12.1%

Tax Assessment & Valuation

The 2026 property tax bill for 95240 Pine Island was $2,624, up 51% 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	$2,624.00 (+50.98%)
2025	$1,738.00 (+168.21%)	$348,600 (+65.14%) Land $154,900 Building $193,700	$348,600 (+65.14%) Land $154,900 Building $193,700
2024	$648.00	$211,100 Land $150,500 Building $60,600	$211,100 Land $150,500 Building $60,600
2022		$95,300 Land $95,100 Building $200	$95,300 Land $95,100 Building $200

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

Flood

FEMA maps place 95240 Pine Island in Zone X, an area of minimal flood risk.

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
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 95240 Pine Island 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Pine Island

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