1677 Waldo Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 1677 Waldo Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,064 sqft · built 1960
Lot Size	3.33 acres (145,055 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Nov 2024)
Tax Bill	$1,246 (2026)
Deeds & Mortgages	Dec 2025 Sale & Line of Credit Nov 2024 Foreclosure
APN	`25-5311-26035`

Property Details

APN / Parcel Number

Primary APN	`25-5311-26035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Gross Area
1st Floor Area	1,064 sqft
Utility Area	96 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood
Lot Area	145,055 sqft (3.33 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	262 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1677 WALDO RD
City	TWO HARBORS
State	MN
Zip	55616-5013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 220FT OF N 660FT OF E 660FT OF NE14
Legal Range	11W
Legal Township	53N
Legal Section	26
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 2
Census Block Group	1
Census Block	1128
Census Tract	370102

Owner

1677 Waldo Rd is owned and occupied by an individual who bought it in November 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1677 WALDO RD, TWO HARBORS, MN 55616-5013
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Quit Claim Deed, Transfer · Line of Credit BELL BANK
Nov 19, 2024	Trustee's Deed, Foreclosure · Conventional Mortgage LUMINATE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Deed Document Number	20241712720
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Dec 1, 2025
Property Address	1677 WALDO RD, TWO HARBORS, MN 55616-5013
Document Number	A000207404
Instrument Date	Nov 21, 2025
Instrument	A000207404
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1677 WALDO RD, TWO HARBORS, MN 55616-5013

Mortgage

Document Number	A000207405
Date	Dec 1, 2025
Instrument	A000207405

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

November 2024: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE MN
Recording Date	Nov 19, 2024
Property Address	1677 WALDO RD, TWO HARBORS, MN 55616-5013
Document Number	A000205256
Instrument Date	Nov 15, 2024
Instrument	A000205256
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1677 WALDO RD, TWO HARBORS, MN 55616-5013

Mortgage

Document Number	A000205257
Date	Nov 19, 2024
Instrument	A000205257

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 1677 Waldo Rd was $1,246 with a homeowner's exemption, up 3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,246.00 (+2.98%) Homeowner's exemption	$304,300 (-3.18%) Land $58,400 Building $245,900	$304,300 (-3.18%) Land $58,400 Building $245,900
2025	$1,210.00	$314,300 Land $58,500 Building $255,800	$314,300 Land $58,500 Building $255,800
2023		$323,800 Land $55,100 Building $268,700	$323,800 Land $55,100 Building $268,700

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

Flood

FEMA has no flood map on file for 1677 Waldo Rd.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1677 Waldo 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 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

May also be available: T-Mobile.

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