539 Stanley Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 539 Stanley Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 832 sqft · built 1988
Lot Size	39.4 acres (1,716,264 sqft)
Owner	Individual Name on File
Tax Bill	$2,896 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit May 2023 Line of Credit + 2 more
APN	`25-5211-04610`

Property Details

APN / Parcel Number

Primary APN	`25-5211-04610`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Stories	1 Story
Building Area	832 sqft Gross Area
1st Floor Area	1,103 sqft
Utility Area	96 sqft
Flooring	Earth/Dirt
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Log
Roof Material	Wood
Lot Area	1,716,264 sqft (39.4 acres)
Garage Area	1,600 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	108 sqft
Deck Area	24 sqft
Pole Barn	1,080 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	539 STANLEY RD
City	TWO HARBORS
State	MN
Zip	55616-1470
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW14 OF SW14 EX THAT PART LYING S AND
Legal Range	11W
Legal Township	52N
Legal Section	04
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 2
Census Block Group	2
Census Block	2010
Census Tract	370102

Owner

539 Stanley Rd is owned and occupied by an individual who acquired it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	539 STANLEY RD, TWO HARBORS, MN 55616-1470
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
Jun 6, 2023	Deed of Trust, Mortgage · Line of Credit PARK STATE BANK
May 2, 2023	Deed of Trust, Mortgage · Line of Credit PARK STATE BANK
Aug 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 31, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 7, 2019
Transfer Doc	0000193260
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	539 STANLEY RD, TWO HARBORS, MN 55616-1470
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000202390
Date	Jun 6, 2023
Instrument	A000202390

Lender

Name	PARK STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	118 Months
Due	Apr 26, 2033

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	539 STANLEY RD, TWO HARBORS, MN 55616-1470
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000202194
Date	May 2, 2023
Instrument	A000202194

Lender

Name	PARK STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Apr 26, 2033

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	539 STANLEY RD, TWO HARBORS, MN 55616-1470
Transaction Type	Mortgage
Record Updated	Sep 2, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000194610
Date	Aug 10, 2020
Instrument	A000194610

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2049

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Dec 31, 2019
Property Address	539 STANLEY RD, TWO HARBORS, MN 55616-1470
Document Number	A000193260
Instrument Date	Dec 7, 2019
Instrument	A000193260
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 STANLEY RD, TWO HARBORS, MN 55616-1470

Mortgage

Document Number	A000193261
Date	Dec 31, 2019
Instrument	A000193261

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 539 Stanley Rd was $2,896 with a homeowner's exemption.

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	$2,896.00 Homeowner's exemption	$714,800 Land $240,900 Building $473,900	$714,800 Land $240,900 Building $473,900
2023		$531,300 Land $171,700 Building $359,600	$531,300 Land $171,700 Building $359,600

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 539 Stanley 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

Wildfire risk around 539 Stanley 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 4 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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