95478 Pine Island, Tower, MN 55790 Property Records

St. Louis County property record for 95478 Pine Island, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1.5 ba · 1,081 sqft · built 1932
Lot Size	0.257 acres (11,229 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,122 (2026)
Deeds & Mortgages	Aug 2020 Sale Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`387-0420-00090`

Property Details

APN / Parcel Number

Primary APN	`387-0420-00090`
Alternative APNs	`1088344` `1180602`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,081 sqft Gross Area
1st Floor Area	1,081 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1972
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	11,229 sqft (0.257 acres)

Exterior Amenities

Porch	Patio
Porch Area	190 sqft
Deck Area	135 sqft
Cabin	154 sqft
Storage Building	64 sqft
Boat House	320 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1180602
Street Address	95478 PINE IS
City	TOWER
State	MN
Zip	55790-8461
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT: 09 SERIAL #
Legal Subdivision	VERMILION DELLS
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	GREENWOOD
Census Block Group	1
Census Block	1248
Census Tract	15502

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	2 Company Names on Record
Mailing Address	800 N 4TH ST, CLINTON, IA 52732-3930
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 1, 2020
Transfer Doc	00T1022518
Record Updated	Sep 20, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 10, 2020
Property Address	95478 PINE IS, TOWER, MN 55790-8461
Document Number	00T1027153
Instrument Date	Jun 24, 2020
Instrument	T1027153
Transaction Type	Transfer
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	800 N 4TH ST CLINTON IA 527323930, CLINTON, IA 52732-3930

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 20, 2020
Property Address	95478 PINE IS, TOWER, MN 55790-8461
Document Number	00T1022518
Instrument Date	Apr 1, 2020
Instrument	T1022518
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	800 N 4TH ST CLINTON IA 527323930, CLINTON, IA 52732-3930

Tax Assessment & Valuation

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	$2,122.00 (+53.32%)
2025	$1,384.00 (+26.51%)	$232,300 (+44.02%) Land $52,400 Building $179,900	$232,300 (+44.02%) Land $52,400 Building $179,900
2024	$1,094.00	$161,300 (+28.53%) Land $50,700 Building $110,600	$161,300 (+28.53%) Land $50,700 Building $110,600
2022		$125,500 Land $40,800 Building $84,700	$125,500 Land $40,800 Building $84,700

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 · 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 100 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

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

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

Wildfire Risk	Moderate above 47% of the US · above 77% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pine Island

Nearby Streets

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