St. Louis County property record for 1431 Nappa Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,960 sqft · built 1994 |
| Lot Size | 75 acres (3,267,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $254,000 (Oct 2011) |
| Tax Bill | $3,164 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 210-0010-04670 |
| Primary APN | 210-0010-04670 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,960 sqft Gross Area |
| 1st Floor Area | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Construction Type | Log |
| Lot Area | 3,267,000 sqft (75 acres) |
| Garage Area | 528 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 816 sqft |
| Storage Building | 32 sqft |
| Pole Barn | 1,320 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 923594 |
|---|---|
| Street Address | 1431 NAPPA RD |
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-8022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | FAM |
| Legal Description | E 1/2 OF NW 1/4 EX E 1/2 OF SE 1/4 OFSE 1/4 OF NW 1/4 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 |
1431 Nappa Rd is owned and occupied by an individual who bought it in October 2011.
Source: St. Louis County records, as of August 17, 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 | Individual Name on File |
|---|---|
| Mailing Address | 1431 NAPPA RD, TWO HARBORS, MN 55616-8022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE FEDERAL CREDIT UNION |
| Sep 10, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH SHORE FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2011 · Amount on File |
| Deed Sale | Oct 4, 2011 · Amount on File |
| Prior Sale | Oct 4, 2011 |
| Deed Document Number | 201170832 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 8, 2026 |
| Property Address | 1431 NAPPA RD, TWO HARBORS, MN 55616-8022 |
| Document Number | 0001535790 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 20261535790 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1431 NAPPA RD, TWO HARBORS, MN 55616-8022 |
| Document Number | 0001535790, |
|---|---|
| Date | Jul 8, 2026 |
| Instrument | 20261535790 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 22, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.71% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1431 NAPPA RD, TWO HARBORS, MN 55616-8022 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001517807 |
|---|---|
| Date | Sep 10, 2025 |
| Instrument | 1517807 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Address | SILVER BAY, MN 55614 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Aug 27, 2040 |
The 2026 property tax bill for 1431 Nappa Rd was $3,164 with a homeowner's exemption, up 8.1% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Alden Township |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,164.00 (+8.06%) Homeowner's exemption | ||
| 2025 | $2,928.00 (+3.1%) Homeowner's exemption | $394,500 (+1.89%) Land $163,000 Building $231,500 | $394,500 (+1.89%) Land $163,000 Building $231,500 |
| 2024 | $2,840.00 | $387,200 Land $125,700 Building $261,500 | $387,200 Land $125,700 Building $261,500 |
| 2022 | $334,400 Land $106,100 Building $228,300 | $334,400 Land $106,100 Building $228,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1431 Nappa Rd in Zone X, an area of minimal flood risk.
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 risk around 1431 Nappa Rd is low, with a 0.01% annual chance of 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.
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