5405 Twin Lakes Loop 45, Aurora, MN 55705 Property Records

St. Louis County property record for 5405 Twin Lakes Loop 45, Aurora, MN 55705

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 988 sqft · built 1955
Lot Size	0.658 acres (28,670 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Mar 2020)
Tax Bill	$2,302 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`570-0080-00040`

Property Details

APN / Parcel Number

Primary APN	`570-0080-00040`
Alternative APNs	`1086314` `1194397`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	988 sqft Gross Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	28,670 sqft (0.658 acres)
Garage Area	912 sqft
Deck Area	80 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1194397
Street Address	5405 TWIN LAKES LOOP 45
City	AURORA
State	MN
Zip	55705-8172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0004 SERIAL #
Legal Subdivision	LAMPI S LAKE LOTS
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	WHITE
Census Block Group	3
Census Block	3004
Census Tract	13900

Owner

Source: St. Louis County records · APN 570-0080-00040

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	5405 TWIN LAKES LOOP 45, AURORA, MN 55705-8172
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 04, 2026	Deed, Transfer · Conventional Mortgage LOWER LLC
Jan 15, 2021	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2020 · Amount on Record
Deed Sale	Mar 03, 2020 · Amount on Record
Prior Sale	Jun 24, 2002 · Amount on Record
Deed Document Number	20201374921
Last Transfer Date	Jan 11, 2021
Transfer Doc	0001401203
Record Updated	Sep 20, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 04, 2026
Property Address	5405 TWIN LAKES LOOP 45, AURORA, MN 55705-8172
Document Number	0001527481
Instrument Date	Jan 27, 2026
Instrument	1527481
Transaction Type	Transfer
Record Updated	Mar 06, 2026
Title Company	NORTHEAST FL TITLE LLC, NORTHEAST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$934.56
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5405 TWIN LAKES LOOP 45, AURORA, MN 55705-8172

Mortgage

Document Number	0001527482
Date	Feb 04, 2026
Instrument	1527482

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2056

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 15, 2021
Property Address	5405 TWIN LAKES LOOP 45, AURORA, MN 55705-8172
Document Number	00A1401203
Instrument Date	Jan 11, 2021
Instrument	A1401203
Transaction Type	Transfer
Record Updated	Feb 10, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5405 TWIN LAKES LOOP AURORA MN 55705, AURORA, MN 55705

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	White Township
Unified School District	Mesabi East School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,302.00 (+13.51%) Homeowner's exemption
2025	$2,028.00 (-15.36%) Homeowner's exemption	$238,500 (+3.92%) Land $57,800 Building $180,700	$238,500 (+3.92%) Land $57,800 Building $180,700
2024	$2,396.00	$229,500 (+22.53%) Land $54,700 Building $174,800	$229,500 (+22.53%) Land $54,700 Building $174,800
2022		$187,300 Land $43,700 Building $143,600	$187,300 Land $43,700 Building $143,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 16 locations within half a mile of this property.

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