Lake County property record for 645 Stanley Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 936 sqft · built 1961 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Nov 2025) |
| Tax Bill | $1,136 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit |
| APN | 25-5211-04860 |
| Primary APN | 25-5211-04860 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 1 Story |
| Building Area | 936 sqft Gross Area |
| 1st Floor Area | 936 sqft |
| Utility Area | 168 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 64 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 645 STANLEY RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SLY 330 FT OF E12 SW14 OF SE14 |
| Legal Range | 11W |
| Legal Township | 52N |
| Legal Section | 04 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | LAKE NO. 2 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 370102 |
645 Stanley Rd is owned and occupied by two individuals who bought it in November 2025.
Source: Lake County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 STANLEY RD, TWO HARBORS, MN 55616-1478 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2025 · Amount on File |
| Deed Sale | Nov 28, 2025 · Amount on File |
| Prior Sale | Oct 25, 2012 · Amount on File |
| Deed Document Number | 20251830664 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Dec 4, 2025 |
| Property Address | 645 STANLEY RD, TWO HARBORS, MN 55616-1478 |
| Document Number | A000207452 |
| Instrument Date | Nov 28, 2025 |
| Instrument | A000207452 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 645 STANLEY RD, TWO HARBORS, MN 55616-1478 |
| Document Number | A000207453 |
|---|---|
| Date | Dec 4, 2025 |
| Instrument | A000207453 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
The 2026 property tax bill for 645 Stanley Rd was $1,136 with a homeowner's exemption, up 3.8% from the year before.
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 | $1,136.00 (+3.84%) Homeowner's exemption | $347,000 (+16.76%) Land $90,300 Building $256,700 | $347,000 (+16.76%) Land $90,300 Building $256,700 |
| 2025 | $1,094.00 | $297,200 Land $83,000 Building $214,200 | $297,200 Land $83,000 Building $214,200 |
| 2023 | $301,300 Land $75,200 Building $226,100 | $301,300 Land $75,200 Building $226,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 645 Stanley 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 risk around 645 Stanley 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.
Source: FCC Broadband Data Collection, based on 15 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 |
5G (outdoors only) and 4G LTE
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