1315 Nappa Rd, Two Harbors, MN 55616 Property Records

St. Louis County property record for 1315 Nappa Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,232 sqft · built 1950
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on Record
Last Sale	$181,560 (Aug 2013)
Tax Bill	$1,914 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`210-0010-04660`

Property Details

APN / Parcel Number

Primary APN	`210-0010-04660`
Alternative APN	`1093475`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,232 sqft Gross Area
1st Floor Area	1,232 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	871,200 sqft (20 acres)
Garage Area	720 sqft
Deck Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1093475
Street Address	1315 NAPPA RD
City	TWO HARBORS
State	MN
Zip	55616-8072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	S1/2 SE1/4 OF NE1/4 SERIAL #
Legal Range	12W
Legal Township	53N
Legal Section	26
Legal Subdivision	ALDEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	ALDEN
Census Block Group	1
Census Block	1024
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	1315 NAPPA RD, TWO HARBORS, MN 55616-8072
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 31, 2020	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2013 · Amount on Record
Deed Sale	Aug 28, 2013 · Amount on Record
Prior Sale	Jan 15, 2002 · Amount on Record
Deed Document Number	20131222213
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1315 NAPPA RD, TWO HARBORS, MN 55616-8072
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001450653
Date	Aug 25, 2022
Instrument	1450653

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 31, 2020
Property Address	1315 NAPPA RD, TWO HARBORS, MN 55616-8072
Document Number	00A1386737
Instrument Date	Jul 27, 2020
Instrument	A1386737
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1315 NAPPA RD TWO HARBORS MN 556168072, TWO HARBORS, MN 55616-8072

Mortgage

Document Number	A1386738
Date	Jul 31, 2020
Instrument	A1386738

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

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	$1,914.00 (+9.25%) Homeowner's exemption
2025	$1,752.00 (-1.79%) Homeowner's exemption	$259,500 (-1.59%) Land $96,900 Building $162,600	$259,500 (-1.59%) Land $96,900 Building $162,600
2024	$1,784.00	$263,700 (+15.56%) Land $82,100 Building $181,600	$263,700 (+15.56%) Land $82,100 Building $181,600
2022		$228,200 Land $69,700 Building $158,500	$228,200 Land $69,700 Building $158,500

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

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

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