1920 Waldo Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 1920 Waldo Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 748 sqft · built 1915
Lot Size	12.5 acres (546,678 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Mar 2017)
Deeds & Mortgages	Jul 2021 Refinance Nov 2020 Mortgage + 1 more
APN	`25-5311-13620`

Property Details

APN / Parcel Number

Primary APN	`25-5311-13620`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	748 sqft Gross Area
Utility Area	752 sqft
Utility Room	Utility Room
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1985
Exterior Material	Vinyl
Construction Type	Wood
Lot Area	546,678 sqft (12.5 acres)
Pool Type	Pool with Hot Tub/Spa
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1920 WALDO RD
City	TWO HARBORS
State	MN
Zip	55616-5032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF SW14 OF SW14 LYING S OF THE ST
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 2
Census Block Group	1
Census Block	1110
Census Tract	370102

Owner

Source: Lake County records, as of August 4, 2023

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

Owner of Record	Individual Name on Record
Mailing Address	1920 WALDO RD, TWO HARBORS, MN 55616-5032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PARK STATE BANK
Nov 19, 2020	Deed of Trust, Mortgage · ARM LAKE BANK
Feb 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2017 · Amount on Record
Deed Sale	Mar 6, 2017 · Amount on Record
Prior Sale	Jan 18, 2007 · Amount on Record
Deed Document Number	92096
Prior Transfer Date	May 18, 2012
Prior Transfer Doc	A000176263
Record Updated	Jun 7, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1920 WALDO RD, TWO HARBORS, MN 55616-5032
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000197945
Date	Jul 19, 2021
Instrument	A000197945

Lender

Name	PARK STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2031

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1920 WALDO RD, TWO HARBORS, MN 55616-5032
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000195671
Date	Nov 19, 2020
Instrument	A000195671

Lender

Name	LAKE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1920 WALDO RD, TWO HARBORS, MN 55616-5032
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000191386
Date	Feb 22, 2019
Instrument	A000191386

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Lake County assessment roll, as of February 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$273,100 Land $98,800 Building $174,300	$273,100 Land $98,800 Building $174,300

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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	0.01% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Waldo Rd

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