405 Valley Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 405 Valley Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,736 sqft · built 2019
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Sep 2016)
Tax Bill	$4,640 (2026)
Deeds & Mortgages	Jan 2021 Refinance Oct 2019 Refinance
APN	`25-5311-32150`

Property Details

APN / Parcel Number

Primary APN	`25-5311-32150`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Stories	2 Stories
Building Area	1,736 sqft Gross Area
1st Floor Area	1,340 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2020
Architectural Style	Dome
Exterior Material	Metal
Construction Type	Wood
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	3,024 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	372 sqft
Deck Area	200 sqft
Lean-To	960 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	405 VALLEY RD
City	TWO HARBORS
State	MN
Zip	55616-1480
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W12 OF SW14 OF SW14 OF NE14
Legal Range	11W
Legal Township	53N
Legal Section	32
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 2
Census Block Group	2
Census Block	2009
Census Tract	370102

Owner

Source: Lake County records, as of October 22, 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 Record
Mailing Address	405 VALLEY RD, TWO HARBORS, MN 55616-1480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK
Oct 21, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2016 · Amount on Record
Deed Sale	Sep 12, 2016 · Amount on Record
Prior Sale	Sep 25, 2015 · Amount on Record
Deed Document Number	2016185979
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	405 VALLEY RD, TWO HARBORS, MN 55616-1480
Transaction Type	Mortgage
Record Updated	Feb 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000196305
Date	Jan 27, 2021
Instrument	A000196305

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	405 VALLEY RD, TWO HARBORS, MN 55616-1480
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000192836
Date	Oct 21, 2019
Instrument	A000192836

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,640.00 Homeowner's exemption	$578,900 (-2.57%) Land $63,400 Building $515,500	$578,900 (-2.57%) Land $63,400 Building $515,500
2023		$594,200 Land $54,100 Building $540,100	$594,200 Land $54,100 Building $540,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 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

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 8 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Valley Rd

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