1146 Two Harbors Rd, Two Harbors, MN 55616 Property Records

St. Louis County property record for 1146 Two Harbors Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	1.75 ba · 1,328 sqft · built 1978
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (May 2026)
Tax Bill	$2,292 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2026 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`210-0010-06617`

Property Details

APN / Parcel Number

Primary APN	`210-0010-06617`
Alternative APNs	`1032785` `1146207` `1197520`

Interior

Full Baths	1.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,328 sqft Gross Area
1st Floor Area	1,328 sqft
Basement Area	682 sqft
Finished Basement	682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2019
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	832 sqft
Deck Area	240 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1197520
Street Address	1146 TWO HARBORS RD
City	TWO HARBORS
State	MN
Zip	55616-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	W 1/2 OF E 1/2 OF NW 1/4 OF SE 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	1112
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	Individual Name on Record
Mailing Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FEDERAL CREDIT UNION
Apr 21, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 22, 2023	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Nov 19, 2020	Deed of Trust, Mortgage · Conventional with PMI LAKE BK
Jul 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Jun 27, 2017	Grant Deed, Construction Loan · Construction Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Mar 22, 2023 · Amount on Record
Deed Document Number	20261532840
Prior Transfer Date	Oct 7, 2005
Prior Transfer Doc	0000999220
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 19, 2026
Property Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000
Document Number	0001532840
Instrument Date	May 8, 2026
Instrument	20261532840
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138,319.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000

Mortgage

Document Number	0001532841,
Date	May 19, 2026
Instrument	20261532841

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 21, 2026
Property Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000
Document Number	0001531135
Instrument Date	Apr 21, 2026
Instrument	20261531135
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 22, 2023
Property Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000
Document Number	0001463742
Instrument Date	Mar 7, 2023
Instrument	1463742
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
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	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000

Mortgage

Document Number	0001463743
Date	Mar 22, 2023
Instrument	1463743

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000
Document Number	00A1397252
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1146 TWO HARBORS RD TWO HARBORS MN 556168000, TWO HARBORS, MN 55616-8000

Mortgage

Document Number	00A1397252
Date	Dec 2, 2020
Instrument	A1397252

Lender

Name	LAKE BK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000
Document Number	00A1337495
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 TWO HARBORS RD TWO HARBORS MN 556168000, TWO HARBORS, MN 55616-8000

Mortgage

Document Number	00A1337495
Date	Jul 30, 2018
Instrument	A1337495

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2048

June 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 27, 2017
Property Address	1146 TWO HARBORS RD, TWO HARBORS, MN 55616-8000
Document Number	00A1312014
Instrument Date	Jun 16, 2017
Instrument	A1312014
Transaction Type	Construction Loan
Record Updated	Jul 14, 2017
Title Company	STEWART TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 TWO HARBORS RD TWO HARBORS MN 556168000, TWO HARBORS, MN 55616-8000

Mortgage

Document Number	A1312015
Date	Jun 27, 2017
Instrument	A1312015

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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	$2,292.00 (+7%) Homeowner's exemption
2025	$2,142.00 (+7.21%) Homeowner's exemption	$289,500 (-3.53%) Land $82,900 Building $206,600	$289,500 (-3.53%) Land $82,900 Building $206,600
2024	$1,998.00	$300,100 (+21.3%) Land $69,900 Building $230,200	$300,100 (+21.3%) Land $69,900 Building $230,200
2022		$247,400 Land $59,600 Building $187,800	$247,400 Land $59,600 Building $187,800

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

No cell data coverage reported

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