1109 Two Harbors Rd, Two Harbors, MN 55616 Property Records

St. Louis County property record for 1109 Two Harbors Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,667 sqft · built 1932
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Nov 2020)
Tax Bill	$2,746 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`210-0010-06510`

Property Details

APN / Parcel Number

Primary APN	`210-0010-06510`
Alternative APN	`1100292`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,667 sqft Gross Area
1st Floor Area	1,167 sqft
Basement Area	584 sqft
Finished Basement	584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1975
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,742,400 sqft (40 acres)
Garage Area	672 sqft

Exterior Amenities

Porch	Porch
Porch Area	42 sqft
Deck Area	25 sqft
Storage Building	128 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1100292
Street Address	1109 TWO HARBORS RD
City	TWO HARBORS
State	MN
Zip	55616-8006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	SE 1/4 OF NE 1/4 SERIAL #
Legal Range	12W
Legal Township	53N
Legal Section	36
Legal Subdivision	ALDEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	ALDEN
Census Block Group	1
Census Block	1111
Census Tract	10601

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 Individual Names on Record
Mailing Address	1109 TWO HARBORS RD, TWO HARBORS, MN 55616-8006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE
Nov 20, 2020	Warranty Deed, Transfer NORTH SHORE TITLE
Nov 4, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	20201396499
Prior Transfer Date	Nov 13, 2020
Prior Transfer Doc	0001396498
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1109 TWO HARBORS RD, TWO HARBORS, MN 55616-8006
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 TWO HARBORS RD, TWO HARBORS, MN 55616-8006

Mortgage

Document Number	0001406307
Date	Mar 9, 2021
Instrument	1406307

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Apr 20, 2026

Interest

Rate	4.35%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 20, 2020
Property Address	1109 TWO HARBORS RD, TWO HARBORS, MN 55616-8006
Document Number	00A1396499
Instrument Date	Nov 13, 2020
Instrument	A1396499
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$1,320.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1109 TWO HARBORS RD TWO HARBORS MN 556168006, TWO HARBORS, MN 55616-8006

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 4, 2020
Property Address	1109 TWO HARBORS RD, TWO HARBORS, MN 55616-8006
Document Number	00A1395133
Instrument Date	Oct 20, 2020
Instrument	A1395133
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 TWO HARBORS RD TWO HARBORS MN 556168006, TWO HARBORS, MN 55616-8006

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	Alden Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,746.00 (+8.2%) Homeowner's exemption
2025	$2,538.00 (+5.31%) Homeowner's exemption	$377,300 (+10.1%) Land $128,300 Building $249,000	$377,300 (+10.1%) Land $128,300 Building $249,000
2024	$2,410.00	$342,700 (+20.08%) Land $106,200 Building $236,500	$342,700 (+20.08%) Land $106,200 Building $236,500
2022		$285,400 Land $89,800 Building $195,600	$285,400 Land $89,800 Building $195,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

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

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