1286 E Waldo Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 1286 E Waldo Rd, Two Harbors, MN 55616 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2003
Square Footage	1,600 sqft Gross Area
Lot Size	435,600 sqft (10 acres)
Garage	Mixed, 1,184 sqft
Occupancy	Owner Occupied
Tax Bill	$2,918.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`25-5311-13255`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,600 sqft Gross Area
1st Floor	800 sqft 1st Floor
Stories	2 Stories
Utility Area	448 sqft Utility Area
Interior Structure	Cement Board Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional Style
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Construction Type	Wood Construction
Roof Construction	Shed Roof Construction
Roof Material	Asphalt Roof
Lot Area	435,600 sqft (10 acres)
Parking Spaces	4 Parking Spaces
Garage Type	Mixed Garage
Garage Area	1,184 sqft Garage
Pool Type	Pool with Hot Tub/Spa Pool Type
Sauna	Sauna

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Street Address	1286 E WALDO RD
City	TWO HARBORS
State	MN
Zip	55616-5101
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	E 330 FT OF NE14 OF NW14
Legal Range	11W
Legal Township	53N
Legal Section	13
Jurisdiction	LAKE MN
Minor Civil Division	LAKE NO. 2
Census Blockgroup	1
Census Block	1109
Census Tract	370102

Owner

Source: Lake County records · APN 25-5311-13255

Assessment roll updated August 6, 2026 · Last verified August 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 File
Mailing Address	1286 E WALDO RD, TWO HARBORS, MN 55616-5101
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Nov 06, 2018	Deed of Trust, Mortgage LAKE BANK
Jan 24, 2018	Deed of Trust, Mortgage LAKE BANK
Oct 23, 2017	Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) NORTH SHORE FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1286 E WALDO RD, TWO HARBORS, MN 55616-5101
Transaction Type	Mortgage
Record Updated	Nov 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000190869
Date	Nov 06, 2018
Instrument	A000190869

Lender

Name	LAKE BANK

Agreement

Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1286 E WALDO RD, TWO HARBORS, MN 55616-5101
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000000189234
Date	Jan 24, 2018
Instrument	000000189234

Lender

Name	LAKE BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1286 E WALDO RD, TWO HARBORS, MN 55616-5101
Transaction Type	Mortgage
Record Updated	Nov 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A000188633
Date	Oct 23, 2017
Instrument	A000188633

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Oct 20, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	2
Max Rate	10.5%

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 6, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Lake County
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$592,700 (+7.35%) Land $80,400 Building $512,300	$592,700 (+7.35%) Land $80,400 Building $512,300
2025	$2,918.00
2023		$552,100 Land $68,700 Building $483,400	$552,100 Land $68,700 Building $483,400

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