2090 Waldo Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 2090 Waldo Rd, Two Harbors, MN 55616 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,744 sqft · built 1996
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Jan 2022)
Tax Bill	$2,560 (2025)
Deeds & Mortgages	Jan 2022 Refinance Feb 2022 Sale & Mortgage + 1 more
APN	`25-5311-13320`

Property Details

APN / Parcel Number

Primary APN	`25-5311-13320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,744 sqft Gross Area
1st Floor Area	1,744 sqft
Utility Area	192 sqft
Flooring	Earth/Dirt
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Architectural Style	Dome
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood
Lot Area	435,600 sqft (10 acres)
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	222 sqft
Deck Area	50 sqft
Lean-To	672 sqft
Pole Barn	2,240 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	2090 WALDO RD
City	TWO HARBORS
State	MN
Zip	55616-5033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW14 OF NW14 OF NW14
Legal Range	11W
Legal Township	53N
Legal Section	13
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 2
Census Block Group	1
Census Block	1109
Census Tract	370102

Owner

Source: Lake County records · APN 25-5311-13320

Assessment roll updated August 6, 2026 · Last verified August 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 File
Mailing Address	2090 WALDO RD, TWO HARBORS, MN 55616-5033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION
Feb 01, 2022	Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE FEDERAL CREDIT UNION
Feb 08, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Deed Document Number	20221375614
Prior Transfer Date	Oct 27, 2016
Prior Transfer Doc	0000186299
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	2090 WALDO RD, TWO HARBORS, MN 55616-5033
Transaction Type	Mortgage
Record Updated	Feb 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000199338
Date	Jan 11, 2022
Instrument	A000199338

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Feb 01, 2036

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Feb 01, 2022
Property Address	2090 WALDO RD, TWO HARBORS, MN 55616-5033
Document Number	A000199518
Instrument Date	Jan 31, 2022
Instrument	A000199518
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Tenants in Common
Address	2090 WALDO RD, TWO HARBORS, MN 55616-5033

Mortgage

Document Number	A000199519
Date	Feb 01, 2022
Instrument	A000199519

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	2090 WALDO RD, TWO HARBORS, MN 55616-5033
Transaction Type	Mortgage
Record Updated	Mar 03, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000196404
Date	Feb 08, 2021
Instrument	A000196404

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	97 Months
Due	Mar 01, 2029

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated August 6, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$469,500 (-3.49%) Land $85,800 Building $383,700	$469,500 (-3.49%) Land $85,800 Building $383,700
2025	$2,560.00
2023		$486,500 Land $76,300 Building $410,200	$486,500 Land $76,300 Building $410,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 5 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Zito West Holding	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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