Lake County property record for 4012 Gull Rocks Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1.5 ba · 1,260 sqft · built 1965 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,444 (2026) |
| Deeds & Mortgages | Feb 2017 Line of Credit |
| APN | 26-5508-28230 |
| Primary APN | 26-5508-28230 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1.5 Baths |
| Stories | 1 Story |
| Building Area | 1,260 sqft Gross Area |
| 1st Floor Area | 1,690 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 52,272 sqft (1.2 acres) |
| Garage Type | Mixed |
| Garage Area | 656 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Open Porch |
| Deck Area | 48 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 4012 GULL ROCKS RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-3400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PART OF LOT 1 AS DESC IN DOCUMENT |
| Legal Range | 08W |
| Legal Township | 55N |
| Legal Section | 28 |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | BEAVER BAY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 370300 |
4012 Gull Rocks Rd is owned and occupied by two individuals.
Source: Lake County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4012 GULL ROCKS RD, TWO HARBORS, MN 55616-3400 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 4012 GULL ROCKS RD, TWO HARBORS, MN 55616-3400 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2017 |
| Name | Verified Name |
|---|
| Document Number | , A000187080 |
|---|---|
| Date | Feb 27, 2017 |
| Instrument | A000187080 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
The 2026 property tax bill for 4012 Gull Rocks Rd was $4,444 with a homeowner's exemption, down 7.2% from the year before.
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| County Subdivision | Beaver Bay Township |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,444.00 (-7.22%) Homeowner's exemption | $778,000 Land $426,700 Building $351,300 | $778,000 Land $426,700 Building $351,300 |
| 2025 | $4,790.00 | ||
| 2023 | $694,800 Land $345,400 Building $349,400 | $694,800 Land $345,400 Building $349,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 4012 Gull Rocks Rd; 1 flood insurance policy is in force nearby.
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 | 1 in force |
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 risk around 4012 Gull Rocks 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.
Source: FCC Broadband Data Collection, based on 15 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 |
5G and 4G LTE (outdoors only)
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