Lake County property record for 706 Valley Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 936 sqft · built 1960 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $900 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance |
| APN | 25-5311-34570 |
| Primary APN | 25-5311-34570 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Stories | 1 Story |
| Building Area | 936 sqft Gross Area |
| 1st Floor Area | 936 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 871,200 sqft (20 acres) |
| Garage Type | Mixed |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 15 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 706 VALLEY RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1476 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W12 OF NW14 OF SW14 |
| Legal Range | 11W |
| Legal Township | 53N |
| Legal Section | 34 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | LAKE NO. 2 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 370102 |
706 Valley Rd is owned and occupied by an individual.
Source: Lake County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 706 VALLEY RD, TWO HARBORS, MN 55616-1476 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 706 VALLEY RD, TWO HARBORS, MN 55616-1476 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000197762 |
|---|---|
| Date | Jun 28, 2021 |
| Instrument | A000197762 |
| Name | TWO HARBORS FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 1, 2031 |
The 2026 property tax bill for 706 Valley Rd was $900 with a homeowner's exemption, up 5.4% 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 | $900.00 (+5.39%) Homeowner's exemption | $256,800 Land $98,200 Building $158,600 | $256,800 Land $98,200 Building $158,600 |
| 2025 | $854.00 | ||
| 2023 | $267,100 Land $90,500 Building $176,600 | $267,100 Land $90,500 Building $176,600 |
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 706 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 706 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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