540 Tomberg Rd, Two Harbors, MN 55616 Property Records

Lake County property record for 540 Tomberg Rd, Two Harbors, MN 55616

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,664 sqft · built 1991
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Last Sale	$156,000 (Jan 2021)
Tax Bill	$1,232 (2026)
Deeds & Mortgages	Mar 2023 Refinance Aug 2021 Refinance + 2 more
APN	`25-5311-33370`

Property Details

APN / Parcel Number

Primary APN	`25-5311-33370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Gross Area
1st Floor Area	1,664 sqft
Utility Area	1,800 sqft
Flooring	Vinyl/Resilient
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Modular
Exterior Material	Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	435,600 sqft (10 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	72 sqft
Deck Area	146 sqft
Storage Building	1,200 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	540 TOMBERG RD
City	TWO HARBORS
State	MN
Zip	55616-1473
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	THAT PART OF W12 OF E12 OF NE14 OF
Legal Range	11W
Legal Township	53N
Legal Section	33
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 2
Census Block Group	2
Census Block	2004
Census Tract	370102

Owner

540 Tomberg 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	540 TOMBERG RD, TWO HARBORS, MN 55616-1473
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
Mar 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION
Aug 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION
Nov 19, 2018	Deed of Trust, Mortgage TWO HARBORS FEDERAL CREDIT UNION
Jan 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage TWO HARBORS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Nov 19, 2018 · Amount on File
Deed Document Number	2021196207
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	540 TOMBERG RD, TWO HARBORS, MN 55616-1473
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000202022
Date	Mar 24, 2023
Instrument	A000202022

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	540 TOMBERG RD, TWO HARBORS, MN 55616-1473
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000198147
Date	Aug 6, 2021
Instrument	A000198147

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	540 TOMBERG RD, TWO HARBORS, MN 55616-1473
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000190932
Date	Nov 19, 2018
Instrument	A000190932

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	170 Months
Due	Jan 1, 2033

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jan 15, 2021
Property Address	540 TOMBERG RD, TWO HARBORS, MN 55616-1473
Document Number	A000196207
Instrument Date	Jan 8, 2021
Instrument	A000196207
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	540 TOMBERG RD, TWO HARBORS, MN 55616-1473

Mortgage

Document Number	A000196208
Date	Jan 15, 2021
Instrument	A000196208

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 540 Tomberg Rd was $1,232 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	$1,232.00 Homeowner's exemption	$311,800 Land $74,200 Building $237,600	$311,800 Land $74,200 Building $237,600
2023		$314,700 Land $69,800 Building $244,900	$314,700 Land $69,800 Building $244,900

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 540 Tomberg 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 540 Tomberg 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 18 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

4G LTE (outdoors only), no 5G reported

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