497 Westover Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 497 Westover Rd, Two Harbors, MN 55616

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,056 sqft · built 1970
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Jan 2021)
Tax Bill	$1,338 (2026)
Deeds & Mortgages	Jan 2021 Sale Dec 2020 Sale + 1 more
APN	`25-5311-16620`

Property Details

APN / Parcel Number

Primary APN	`25-5311-16620`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,056 sqft Gross Area
1st Floor Area	1,056 sqft
Utility Area	596 sqft
Flooring	Earth/Dirt
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1990
Architectural Style	Modular
Exterior Material	Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	435,600 sqft (10 acres)
Garage Type	Carport
Carport	Carport
Pool Type	Pool with Hot Tub/Spa
Deck Area	64 sqft
Pole Barn	702 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	497 WESTOVER RD
City	TWO HARBORS
State	MN
Zip	55616-1397
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	W 330 FT OF SW14 OF SW14
Legal Range	11W
Legal Township	53N
Legal Section	16
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 2
Census Block Group	1
Census Block	1093
Census Tract	370102

Owner

497 Westover Rd, a residential property, is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	6578 138TH CT N, HUGO, MN 55038-4760
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
Jan 11, 2021	Deed, Transfer
Dec 7, 2020	Warranty Deed, Transfer
Feb 2, 2018	Quit Claim Deed, Transfer 2 HARBORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Prior Sale	Dec 7, 2020 · Amount on File
Deed Document Number	2021196150
Prior Transfer Date	Jan 12, 2018
Prior Transfer Doc	0000189287
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Jan 11, 2021
Property Address	497 WESTOVER RD, TWO HARBORS, MN 55616-1397
Document Number	A000196150
Instrument Date	Dec 18, 2020
Instrument	A000196150
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount 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
Address	497 WESTOVER RD, TWO HARBORS, MN 55616-1397

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Dec 7, 2020
Property Address	497 WESTOVER RD, TWO HARBORS, MN 55616-1397
Document Number	A000195859
Instrument Date	Dec 4, 2020
Instrument	A000195859
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount 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	497 WESTOVER RD, TWO HARBORS, MN 55616-1397

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Feb 2, 2018
Property Address	497 WESTOVER RD, TWO HARBORS, MN 55616-1397
Document Number	000000189287
Instrument Date	Jan 12, 2018
Instrument	000000189287
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 WESTOVER RD, TWO HARBORS, MN 55616-1397

Mortgage

Document Number	000000189288
Date	Feb 2, 2018
Instrument	000000189288

Lender

Name	2 HARBORS FCU

Agreement

Amount	Amount on Record
Term	143 Months
Due	Jan 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 497 Westover Rd was $1,338 with a homeowner's exemption, up 0.3% from the year before.

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	$1,338.00 (+0.3%) Homeowner's exemption	$321,900 (-2.1%) Land $84,500 Building $237,400	$321,900 (-2.1%) Land $84,500 Building $237,400
2025	$1,334.00	$328,800 Land $79,300 Building $249,500	$328,800 Land $79,300 Building $249,500
2023		$306,400 Land $74,400 Building $232,000	$306,400 Land $74,400 Building $232,000

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 497 Westover Rd.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

Wildfire

Wildfire risk around 497 Westover 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 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 Westover Rd

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