5423 Twin Lakes Loop 45, Aurora, MN 55705 Property Records

St. Louis County property record for 5423 Twin Lakes Loop 45, Aurora, MN 55705

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,588 sqft
Lot Size	0.5 acres (21,813 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jul 2020)
Tax Bill	$2,380 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`570-0070-00070`

Property Details

APN / Parcel Number

Primary APN	`570-0070-00070`
Alternative APN	`1092012`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,588 sqft Gross Area
1st Floor Area	1,588 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	21,813 sqft (0.5 acres)
Garage Area	936 sqft

Exterior Amenities

Porch	Patio
Porch Area	174 sqft
Patio Area	408 sqft
Storage Building	300 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1092012
Street Address	5423 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 7 INC VAC RD ADJ LYING E OF W LINE OFLOT 7 EXTENDED SLY AND LYING WLY OF E LINEOF LOT 7 EXTENDED SLY SERIAL #
Legal Subdivision	HAKALA LAKE LOTS
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	WHITE
Census Block Group	3
Census Block	3004
Census Tract	13900

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5423 TWIN LAKES LOOP 45, AURORA, MN 55705-8172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE FCU
Jan 13, 2017	Grant Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Prior Sale	Jul 16, 2015
Deed Document Number	20201384396
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 7, 2020
Property Address	5423 TWIN LAKES LOOP 45, AURORA, MN 55705-8172
Document Number	00A1384396
Instrument Date	Jun 25, 2020
Instrument	A1384396
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	ALL AMERICA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$578.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5423 45TH AURORA MN 55705, AURORA, MN 55705

Mortgage

Document Number	A1384397
Date	Jul 7, 2020
Instrument	A1384397

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 13, 2017
Property Address	5423 TWIN LAKES LOOP 45, AURORA, MN 55705-8172
Document Number	00A1302124
Instrument Date	Jan 4, 2017
Instrument	A1302124
Transaction Type	Transfer
Record Updated	Feb 15, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5423 TWIN LAKES LOOP 45 AURORA MN 557058172, AURORA, MN 55705-8172

Mortgage

Document Number	A1302125
Date	Jan 13, 2017
Instrument	A1302125

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2047

Tax Assessment & Valuation

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	$2,380.00 (+13.66%) Homeowner's exemption
2025	$2,094.00 (-15.15%) Homeowner's exemption	$243,900 (+3.96%) Land $53,800 Building $190,100	$243,900 (+3.96%) Land $53,800 Building $190,100
2024	$2,468.00	$234,600 (+61.24%) Land $50,900 Building $183,700	$234,600 (+61.24%) Land $50,900 Building $183,700
2022		$145,500 Land $38,400 Building $107,100	$145,500 Land $38,400 Building $107,100

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

Flood

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

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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