St. Louis County property record for 95542 Pine Island, Tower, MN 55790
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 1 ba · 1,293 sqft · built 2000 |
| Lot Size | 0.66 acres (28,774 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Jun 2018) |
| Tax Bill | $2,948 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Jun 2018 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 387-0420-00840 |
| Primary APN | 387-0420-00840 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,293 sqft Gross Area |
| 1st Floor Area | 1,024 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 28,774 sqft (0.66 acres) |
| Garage Area | 280 sqft |
| Deck Area | 132 sqft |
| Lean-To | 112 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1052235 |
|---|---|
| Street Address | 95542 PINE IS |
| City | TOWER |
| State | MN |
| Zip | 55790 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | LOTS 81 82 AND 83 SERIAL # |
| Legal Subdivision | VERMILION DELLS |
| Legal Lot Number | 81-82 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | GREENWOOD |
| Census Block Group | 1 |
| Census Block | 1248 |
| Census Tract | 15502 |
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 | 8 MERRITT DR, VIRGINIA, MN 55792-3548 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2020 | Deed of Trust, Mortgage NORTH STAR CU |
| Jun 11, 2018 | Grant Deed, Transfer · Line of Credit FRANDSEN BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2018 · Amount on Record |
| Deed Sale | Jun 11, 2018 · Amount on Record |
| Prior Sale | Aug 31, 2016 · Amount on Record |
| Deed Document Number | 2018998976 |
| Prior Transfer Date | Nov 19, 2009 |
| Prior Transfer Doc | 0000885361 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 95542 PINE IS, TOWER, MN 55790 |
| Document Number | 00T1022841 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 95542 PINE IS TOWER MN 55790, TOWER, MN 55790 |
| Document Number | 00T1022841 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | T1022841 |
| Name | NORTH STAR CU |
|---|---|
| Address | COOK, MN 55723 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Apr 27, 2025 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 11, 2018 |
| Property Address | 95542 PINE IS, TOWER, MN 55790 |
| Document Number | 000T998976 |
| Instrument Date | Apr 19, 2018 |
| Instrument | T998976 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2018 |
| Title Company | NE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $511.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95542 PINE ISLAND LK VERMILION MN 55790, VERMILION, MN 55790 |
| Document Number | T998978 |
|---|---|
| Date | Jun 11, 2018 |
| Instrument | T998978 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | VIRGINIA, MN 55792 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 10, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Greenwood Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,948.00 (+21.62%) | ||
| 2025 | $2,424.00 (+20.12%) | $330,200 (+12.58%) Land $99,500 Building $230,700 | $330,200 (+12.58%) Land $99,500 Building $230,700 |
| 2024 | $2,018.00 | $293,300 (+22.31%) Land $98,100 Building $195,200 | $293,300 (+22.31%) Land $98,100 Building $195,200 |
| 2022 | $239,800 Land $81,500 Building $158,300 | $239,800 Land $81,500 Building $158,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 80% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
| T-Mobile Fixed Wireless | 25 / 3 |
| Frontier DSL | 10 / 1 |
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