5412 Twin Lakes Loop 45, Aurora, MN 55705 Property Records

St. Louis County property record for 5412 Twin Lakes Loop 45, Aurora, MN 55705

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 2004
Lot Size	5.11 acres (222,862 sqft)
Owner	Individual Name on File
Last Sale	$219,000 (Jun 2020)
Tax Bill	$2,124 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`570-0080-00095`

Property Details

APN / Parcel Number

Primary APN	`570-0080-00095`
Alternative APN	`1091167`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,512 sqft Gross Area
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Lot Area	222,862 sqft (5.11 acres)
Garage Area	576 sqft
Deck Area	100 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1091167
Street Address	5412 TWIN LAKES LOOP 45
City	AURORA
State	MN
Zip	55705-8171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	WYL 200 FT OF OUTLOT A SERIAL #
Legal Subdivision	LAMPIS LAKE LOTS
Legal Lot Number	A
Jurisdiction	ST LOUIS MN
Township / Civil Division	WHITE
Census Block Group	3
Census Block	3012
Census Tract	13900

Owner

5412 Twin Lakes Loop 45 is owned and occupied by an individual who bought it in June 2020.

Source: St. Louis County records, as of October 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5412 TWIN LAKES LOOP 45, AURORA, MN 55705-8171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage FRANDSEN BANK & TRUST
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK TRUST
Jun 19, 2020	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESID'L MTG
Jun 19, 2020	Affidavit of Death, Transfer ALL AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2020 · Amount on File
Deed Sale	Jun 19, 2020 · Amount on File
Prior Sale	Jun 6, 2008 · Amount on File
Deed Document Number	20201383008
Prior Transfer Date	May 27, 2020
Prior Transfer Doc	00A1383007
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5412 TWIN LAKES LOOP 45, AURORA, MN 55705-8171
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001529343
Date	Mar 20, 2026
Instrument	1529343

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Amount	Amount on Record
Term	60 Months
Due	Mar 5, 2031

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Jul 28, 2026
Property Address	5412 TWIN LAKES LOOP 45, AURORA, MN 55705-8171
Document Number	0001537237
Instrument Date	Feb 27, 2026
Instrument	20261537237
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 TWIN LAKES LOOP 45, AURORA, MN 55705-8171

Mortgage

Document Number	0001537237,
Date	Jul 28, 2026
Instrument	20261537237

Lender

Name	BANK TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	56 Months
Due	Mar 5, 2031

Interest

Rate	6.1%
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 19, 2020
Property Address	5412 TWIN LAKES LOOP 45, AURORA, MN 55705-8171
Document Number	00A1383008
Instrument Date	May 27, 2020
Instrument	A1383008
Transaction Type	Transfer
Record Updated	Aug 7, 2020
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$723.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5412 TWIN LAKES LOOP 45 AURORA MN 557058171, AURORA, MN 55705-8171

Mortgage

Document Number	A1383009
Date	Jun 19, 2020
Instrument	A1383009

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2050

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Jun 19, 2020
Property Address	5412 TWIN LAKES LOOP 45, AURORA, MN 55705-8171
Document Number	00A1383007
Instrument Date	May 27, 2020
Instrument	A1383007
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	ALL AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5412 TWIN LAKES LOOP 45 AURORA MN 557058171, AURORA, MN 55705-8171

Tax Assessment & Valuation

The 2026 property tax bill for 5412 Twin Lakes Loop 45 was $2,124 with a homeowner's exemption, up 24.2% from the year before.

Source: St. Louis County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,124.00 (+24.21%) Homeowner's exemption
2025	$1,710.00 (-15.51%) Homeowner's exemption	$236,800 (+15.57%) Land $34,200 Building $202,600	$236,800 (+15.57%) Land $34,200 Building $202,600
2024	$2,024.00	$204,900 Land $29,300 Building $175,600	$204,900 Land $29,300 Building $175,600
2022		$170,700 Land $26,000 Building $144,700	$170,700 Land $26,000 Building $144,700

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

Flood

FEMA maps place 5412 Twin Lakes Loop 45 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

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

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

Wildfire

Wildfire risk around 5412 Twin Lakes Loop 45 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 16 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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