Lake County property record for 487 Valley Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,148 sqft · built 1936 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $162,400 (Jul 2016) |
| Tax Bill | $1,488 (2026) |
| Deeds & Mortgages | Feb 2020 Refinance Feb 2018 Mortgage |
| APN | 25-5311-32210 |
| Primary APN | 25-5311-32210 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,148 sqft Gross Area |
| 1st Floor Area | 1,148 sqft |
| Basement Area | 918 sqft |
| Finished Basement | 918 sqft |
| Utility Area | 122 sqft |
| Flooring | Earth/Dirt |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Wood |
| Lot Area | 871,200 sqft (20 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 24 sqft |
| Deck Area | 327 sqft |
| Pole Barn | 1,200 sqft |
| Sauna | Sauna |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 487 VALLEY RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1480 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E12 OF SE14 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 |
487 Valley Rd is owned and occupied by two individuals who bought it in July 2016.
Source: Lake County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 487 VALLEY RD, TWO HARBORS, MN 55616-1480 |
| 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.
| Date | Document |
|---|---|
| Feb 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBOR POINTE CREDIT UNION |
| Feb 15, 2018 | Deed of Trust, Mortgage REPUBLIC BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2016 · Amount on File |
| Deed Sale | Jul 1, 2016 · Amount on File |
| Deed Document Number | 2016185496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 487 VALLEY RD, TWO HARBORS, MN 55616-1480 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000193535 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | A000193535 |
| Name | HARBOR POINTE CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 487 VALLEY RD, TWO HARBORS, MN 55616-1480 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2018 |
| Name | Verified Name |
|---|
| Document Number | 000000189349 |
|---|---|
| Date | Feb 15, 2018 |
| Instrument | 000000189349 |
| Name | REPUBLIC BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 359 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 487 Valley Rd was $1,488 with a homeowner's exemption.
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,488.00 Homeowner's exemption | $346,100 Land $99,100 Building $247,000 | $346,100 Land $99,100 Building $247,000 |
| 2023 | $345,400 Land $91,800 Building $253,600 | $345,400 Land $91,800 Building $253,600 |
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 487 Valley Rd; 3 flood insurance policies are 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 | 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 risk around 487 Valley 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 | 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.
Source: FCC Broadband Data Collection, based on 11 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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