1441 Cedar Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 1441 Cedar Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,388 sqft · built 1979
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Nov 2023)
Tax Bill	$4,448 (2026)
Deeds & Mortgages	Jan 2023 Refinance Dec 2023 Sale & Mortgage
APN	`29-5310-30220`

Property Details

APN / Parcel Number

Primary APN	`29-5310-30220`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,388 sqft Gross Area
1st Floor Area	1,388 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Architectural Style	Dome
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood
Lot Area	435,600 sqft (10 acres)
Garage Type	Mixed
Garage Area	1,560 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Deck Area	304 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1441 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 SE14 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

Owner

Source: Lake County records, as of October 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1441 CEDAR RD, TWO HARBORS, MN 55616-4016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU
Dec 1, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2023 · Amount on Record
Deed Sale	Nov 29, 2023 · Amount on Record
Deed Document Number	20231605507
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1441 CEDAR RD, TWO HARBORS, MN 55616-4016
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000201716
Date	Jan 9, 2023
Instrument	A000201716

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	481 Months
Due	Feb 1, 2063

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Dec 1, 2023
Property Address	1441 CEDAR RD, TWO HARBORS, MN 55616-4016
Document Number	A000203381
Instrument Date	Nov 29, 2023
Instrument	A000203381
Transaction Type	Transfer
Record Updated	Dec 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1441 CEDAR RD, TWO HARBORS, MN 55616-4016

Mortgage

Document Number	A000203382
Date	Dec 1, 2023
Instrument	A000203382

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Jan 1, 2024

Interest

Rate Type	Adjustable Rate
Rate	0.06%
Index	3-Year CMT

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,448.00 (-9.15%) Homeowner's exemption	$672,200 (-17.41%) Land $79,700 Building $592,500	$672,200 (-17.41%) Land $79,700 Building $592,500
2025	$4,896.00
2023		$813,900 Land $58,600 Building $755,300	$813,900 Land $58,600 Building $755,300

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 · 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

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	0.02% 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
Starlink Satellite	280 / 30
Frontier DSL	115 / 7
T-Mobile Fixed Wireless	25 / 3

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