2601 Cedar Wolf Trl, Two Harbors, MN 55616 Property Records

Lake County property record for 2601 Cedar Wolf Trl, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,120 sqft · built 1994
Lot Size	7.21 acres (314,068 sqft)
Owner	2 Individual Names on File
Last Sale	$153,000 (Nov 2014)
Tax Bill	$2,488 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit May 2023 Mortgage + 2 more
APN	`29-5409-32150`

Property Details

APN / Parcel Number

Primary APN	`29-5409-32150`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Stories	1 Story
Building Area	1,120 sqft Gross Area
1st Floor Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Wood
Lot Area	314,068 sqft (7.21 acres)
Garage Type	Mixed
Garage Area	2,160 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Deck Area	120 sqft
Lean-To	384 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	2601 CEDAR WOLF TRL
City	TWO HARBORS
State	MN
Zip	55616-4012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF NW14 OF NE14 & LOT 2 AS DESC
Legal Range	09W
Legal Township	54N
Legal Section	32
Legal Lot Number	2
Jurisdiction	LAKE MN
Township / Civil Division	SILVER CREEK
Census Block Group	2
Census Block	2279
Census Tract	370101

Owner

2601 Cedar Wolf Trl is owned and occupied by two individuals who bought it in November 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	2601 CEDAR WOLF TRL, TWO HARBORS, MN 55616-4012
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
Mar 10, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE FEDERAL CREDIT UNION
Feb 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION
Mar 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2014 · Amount on File
Deed Sale	Nov 25, 2014 · Amount on File
Deed Document Number	2014292425
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	2601 CEDAR WOLF TRL, TWO HARBORS, MN 55616-4012
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000207976
Date	Mar 10, 2026
Instrument	A000207976

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 24, 2056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	2601 CEDAR WOLF TRL, TWO HARBORS, MN 55616-4012
Transaction Type	Mortgage
Record Updated	Jun 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000202342
Date	May 30, 2023
Instrument	A000202342

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 19, 2038

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	2601 CEDAR WOLF TRL, TWO HARBORS, MN 55616-4012
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000196411
Date	Feb 8, 2021
Instrument	A000196411

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2031

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	2601 CEDAR WOLF TRL, TWO HARBORS, MN 55616-4012
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000191534
Date	Mar 22, 2019
Instrument	A000191534

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 2601 Cedar Wolf Trl was $2,488 with a homeowner's exemption, up 5.3% from the year before.

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	$2,488.00 (+5.33%) Homeowner's exemption	$434,700 Land $61,700 Building $373,000	$434,700 Land $61,700 Building $373,000
2025	$2,362.00
2023		$473,000 Land $52,600 Building $420,400	$473,000 Land $52,600 Building $420,400

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 2601 Cedar Wolf Trl; there have been 1 flood claim nearby since 2017.

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	3 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2017 · 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

Wildfire risk around 2601 Cedar Wolf Trl 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 22 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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