6951 Olson Rd, Two Harbors, MN 55616 Property Records

St. Louis County property record for 6951 Olson Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,536 sqft · built 2004
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$196,000 (Mar 2024)
Tax Bill	$1,940 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`315-0020-00305`

Property Details

APN / Parcel Number

Primary APN	`315-0020-00305`
Alternative APNs	`1163181` `914334`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	1,536 sqft Gross Area
1st Floor Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	80 sqft
Deck Area	240 sqft
Lean-To	48 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1163181
Street Address	6951 OLSON RD
City	TWO HARBORS
State	MN
Zip	55616-8049
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	NW1/4 OF SE1/4 OF SW1/4 SERIAL #
Legal Range	12W
Legal Township	52N
Legal Section	02
Legal Subdivision	DULUTH TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1003
Census Tract	10500

Owner

Source: St. Louis County records · APN 315-0020-00305

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	6951 OLSON RD, TWO HARBORS, MN 55616-8049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Warranty Deed, Transfer · Conventional Mortgage CATTLE BANK & TRUST
Mar 12, 2024	Intrafamily Transfer, Transfer
Jul 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage CU MTG SVC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 12, 2024 · Amount on Record
Deed Sale	Mar 12, 2024 · Amount on Record
Deed Document Number	20241484319
Prior Transfer Date	Feb 14, 2024
Prior Transfer Doc	0001484318
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 12, 2024
Property Address	6951 OLSON RD, TWO HARBORS, MN 55616-8049
Document Number	0001484319
Instrument Date	Feb 26, 2024
Instrument	1484319
Transaction Type	Transfer
Record Updated	May 06, 2024
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Tax	$646.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6951 OLSON RD, TWO HARBORS, MN 55616-8049

Mortgage

Document Number	0001484320
Date	Mar 12, 2024
Instrument	1484320

Lender

Name	CATTLE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2054

Mortgage

Document Number	0001484951
Date	Mar 26, 2024
Instrument	1484951

Lender

Name	CATTLE BANK & TRUST
Type	Bank
Address	SEWARD, NE 68434

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2054

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Mar 12, 2024
Property Address	6951 OLSON RD, TWO HARBORS, MN 55616-8049
Document Number	0001484318
Instrument Date	Feb 06, 2024
Instrument	1484318
Transaction Type	Transfer
Record Updated	May 06, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2123 NW 146TH ST, CLIVE, IA 50325-7728

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6951 OLSON RD, TWO HARBORS, MN 55616-8049
Document Number	00A1314631
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6951 OLSON RD TWO HARBORS MN 556168049, TWO HARBORS, MN 55616-8049

Mortgage

Document Number	00A1314631
Date	Aug 03, 2017
Instrument	A1314631

Lender

Name	CU MTG SVC
Address	NEW BRIGHTON, MN 55112

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 02, 2047

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Duluth Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,940.00 (+8.99%)
2025	$1,780.00 (+32.84%)	$214,400 (+3.62%) Land $89,200 Building $125,200	$214,400 (+3.62%) Land $89,200 Building $125,200
2024	$1,340.00	$206,900 (+4.87%) Land $87,700 Building $119,200	$206,900 (+4.87%) Land $87,700 Building $119,200
2022		$197,300 Land $89,100 Building $108,200	$197,300 Land $89,100 Building $108,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1993)
Most Recent Claim	May 1993 · erosion

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Zito West Holding Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Based on FCC filings for 8 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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