1691 Waldo Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 1691 Waldo Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,204 sqft · built 1957
Lot Size	3.33 acres (145,055 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,128 (2026)
Deeds & Mortgages	Jul 2019 Refinance Aug 2020 Refinance + 1 more
APN	`25-5311-26025`

Property Details

APN / Parcel Number

Primary APN	`25-5311-26025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,204 sqft Gross Area
1st Floor Area	1,204 sqft
Utility Area	376 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1995
Architectural Style	A-Frame
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	145,055 sqft (3.33 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	1691 WALDO RD
City	TWO HARBORS
State	MN
Zip	55616-5013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 220 FT OF E 660 FT OF NE14 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

1691 Waldo Rd is owned and occupied by two individuals who acquired it in September 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	1691 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
Jul 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jan 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 3, 2009
Transfer Doc	0000170002
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1691 WALDO RD, TWO HARBORS, MN 55616-5013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000192273
Date	Jul 29, 2019
Instrument	A000192273

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1691 WALDO RD, TWO HARBORS, MN 55616-5013
Transaction Type	Mortgage
Record Updated	Sep 2, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000194662
Date	Aug 12, 2020
Instrument	A000194662

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1691 WALDO RD, TWO HARBORS, MN 55616-5013
Transaction Type	Mortgage
Record Updated	Jan 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A000186815
Date	Jan 9, 2017
Instrument	A000186815

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	145 Months
Due	Feb 1, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 1691 Waldo Rd was $1,128 with a homeowner's exemption, up 12.8% 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	$1,128.00 (+12.8%) Homeowner's exemption	$286,600 Land $54,000 Building $232,600	$286,600 Land $54,000 Building $232,600
2025	$1,000.00
2023		$289,100 Land $51,200 Building $237,900	$289,100 Land $51,200 Building $237,900

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 1691 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 1691 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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