95824 Pine Island, Tower, MN 55790 Property Records

St. Louis County property record for 95824 Pine Island, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 bd · 260 sqft · built 2022
Lot Size	8.47 acres (369,183 sqft)
Owner	Individual Name on Record
Last Sale	$109,500 (Oct 2022)
Tax Bill	$1,512 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`387-0391-00080`

Property Details

APN / Parcel Number

Primary APN	`387-0391-00080`
Alternative APNs	`1007286` `1133403`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	260 sqft Gross Area
1st Floor Area	260 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	369,183 sqft (8.47 acres)
Garage Type	Carport
Carport	Carport
Deck Area	20 sqft
Storage Building	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1133403
Street Address	95824 PINE IS
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 8 BLOCK 1 SERIAL #
Legal Subdivision	TOWERING PINES
Legal Block	1
Legal Lot Number	8
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	Individual Name on Record
Mailing Address	4767 MCCOMBER RD, DULUTH, MN 55803-9458
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2022 · Amount on Record
Deed Sale	Oct 6, 2022 · Amount on Record
Deed Document Number	20221062109
Prior Transfer Date	Apr 7, 2016
Prior Transfer Doc	000T969918
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 6, 2022
Property Address	95824 PINE IS, TOWER, MN 55790
Document Number	0001062109
Instrument Date	Sep 13, 2022
Instrument	1062109
Transaction Type	Transfer
Record Updated	Nov 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$361.35
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	6024 W ARROWHEAD RD, DULUTH, MN 55810-9754

Mortgage

Document Number	0001062110
Date	Oct 6, 2022
Instrument	1062110

Lender

Name	HERMANTOWN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2037

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	$1,512.00 (+26%)
2025		$179,600 (+28.93%) Land $136,100 Building $43,500	$179,600 (+28.93%) Land $136,100 Building $43,500
2024	$1,200.00	$139,300 (+62.17%) Land $129,100 Building $10,200	$139,300 (+62.17%) Land $129,100 Building $10,200
2022		$85,900 Land $85,900	$85,900 Land $85,900

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 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

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 43% of the US · above 73% 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 4 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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