Lake County property record for 1401 Cedar Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,000 sqft · built 1979 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,554 (2026) |
| Deeds & Mortgages | May 2021 Refinance Oct 2017 Mortgage |
| APN | 29-5310-30145 |
| Primary APN | 29-5310-30145 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 1 Story |
| Building Area | 1,000 sqft Gross Area |
| 1st Floor Area | 1,000 sqft |
| Utility Area | 216 sqft |
| Flooring | Earth/Dirt |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Georgian |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gambrel |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Mixed |
| Garage Area | 1,584 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 200 sqft |
| Deck Area | 216 sqft |
| Pole Barn | 1,080 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 1401 CEDAR RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-4016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W12 OF W12 OF SW14 OF NE14 |
| Legal Range | 10W |
| Legal Township | 53N |
| Legal Section | 30 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | SILVER CREEK |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 370400 |
1401 Cedar Rd is owned and occupied by two individuals.
Source: Lake County records, as of October 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1401 CEDAR RD, TWO HARBORS, MN 55616-4016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION |
| Oct 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage THE LAKE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 1401 CEDAR RD, TWO HARBORS, MN 55616-4016 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000197335 |
|---|---|
| Date | May 13, 2021 |
| Instrument | A000197335 |
| Name | TWO HARBORS FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 1401 CEDAR RD, TWO HARBORS, MN 55616-4016 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2017 |
| Name | Verified Name |
|---|
| Document Number | , A000188508 |
|---|---|
| Date | Oct 6, 2017 |
| Instrument | A000188508 |
| Name | THE LAKE BANK |
|---|---|
| Type | Bank |
| Address | TWO HARBORS, MN 55616 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2026 property tax bill for 1401 Cedar Rd was $2,554 with a homeowner's exemption, up 8.2% from the year before.
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| County Subdivision | Silver Creek Township |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,554.00 (+8.22%) Homeowner's exemption | $465,400 Land $79,700 Building $385,700 | $465,400 Land $79,700 Building $385,700 |
| 2025 | $2,360.00 | ||
| 2023 | $471,200 Land $58,600 Building $412,600 | $471,200 Land $58,600 Building $412,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 1401 Cedar Rd; there have been 4 flood claims nearby since 2012.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2012–2019) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Dec 2019 · river or lake flooding |
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 risk around 1401 Cedar Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 64% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
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