Lake County property record for 554 Westover Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,220 sqft · built 2019 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,228 (2026) |
| Deeds & Mortgages | Jul 2023 Line of Credit Sep 2022 Sale + 1 more |
| APN | 25-5311-21280 |
| Primary APN | 25-5311-21280 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,220 sqft Gross Area |
| 1st Floor Area | 1,220 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Wood |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Mixed |
| Garage Area | 1,344 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Patio |
| Porch Area | 352 sqft |
| Deck Area | 384 sqft |
| Sauna | Sauna |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 554 WESTOVER RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1398 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E12 OF W12 OF NE14 OF NW14 |
| Legal Range | 11W |
| Legal Township | 53N |
| Legal Section | 21 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | LAKE NO. 2 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 370102 |
Source: Lake County records, as of October 22, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 554 WESTOVER RD, TWO HARBORS, MN 55616-1398 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2023 | Deed of Trust, Mortgage · Line of Credit TWO HARBORS FEDERAL CREDIT UNION |
| Sep 13, 2022 | Deed, Transfer |
| Oct 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 554 WESTOVER RD, TWO HARBORS, MN 55616-1398 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000202651 |
|---|---|
| Date | Jul 24, 2023 |
| Instrument | A000202651 |
| Name | TWO HARBORS FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 13, 2022 |
| Property Address | 554 WESTOVER RD, TWO HARBORS, MN 55616-1398 |
| Document Number | A000201071 |
| Instrument Date | Sep 12, 2022 |
| Instrument | A000201071 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 554 WESTOVER RD, TWO HARBORS, MN 55616-1398 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000192831 |
|---|---|
| Date | Oct 18, 2019 |
| Instrument | A000192831 |
| Name | TWO HARBORS FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2034 |
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,228.00 (+2.86%) Homeowner's exemption | $487,400 (+8.36%) Land $78,400 Building $409,000 | $487,400 (+8.36%) Land $78,400 Building $409,000 |
| 2025 | $2,166.00 | ||
| 2023 | $449,800 Land $68,900 Building $380,900 | $449,800 Land $68,900 Building $380,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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