Lake County property record for 646 Valley Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1957 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,322 (2026) |
| Deeds & Mortgages | Aug 2021 Sale Jul 2019 Foreclosure |
| APN | 25-5311-33800 |
| Primary APN | 25-5311-33800 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Gross Area |
| 1st Floor Area | 960 sqft |
| Utility Area | 256 sqft |
| Flooring | Wood |
| Interior Walls | Metal |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Type | Shed Roof |
| Roof Material | Metal |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 152 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 646 VALLEY RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1477 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E12 OF NE14 OF NW14 OF SE14 & N12 OF SE |
| Legal Range | 11W |
| Legal Township | 53N |
| Legal Section | 33 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | LAKE NO. 2 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 370102 |
646 Valley Rd is owned and occupied by two individuals who acquired it in August 2021.
Source: Lake County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2258 REIMER RD, DULUTH, MN 55804-3330 |
| 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.
| Date | Document |
|---|---|
| Aug 17, 2021 | Deed, Transfer |
| Jul 19, 2019 | Warranty Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 13, 2021 |
| Transfer Doc | 0000198222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Aug 17, 2021 |
| Property Address | 646 VALLEY RD, TWO HARBORS, MN 55616-1477 |
| Document Number | A000198222 |
| Instrument Date | Aug 13, 2021 |
| Instrument | A000198222 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 646 VALLEY RD, TWO HARBORS, MN 55616-1477 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Jul 19, 2019 |
| Property Address | 646 VALLEY RD, TWO HARBORS, MN 55616-1477 |
| Document Number | A000192225 |
| Instrument Date | Jul 9, 2019 |
| Instrument | A000192225 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 23, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5600 GRANITE PKWY, PLANO, TX 75024-4126 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 646 Valley Rd was $1,322 with a homeowner's exemption, up 5.3% 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 | $1,322.00 (+5.25%) Homeowner's exemption | $313,400 Land $120,600 Building $192,800 | $313,400 Land $120,600 Building $192,800 |
| 2025 | $1,256.00 | ||
| 2023 | $289,100 Land $82,600 Building $206,500 | $289,100 Land $82,600 Building $206,500 |
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 646 Valley 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 646 Valley 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 3 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 and 4G LTE (outdoors only)
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