Lake County property record for 770 Valley Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,196 sqft · built 1907 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Nov 2016) |
| Tax Bill | $1,346 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance |
| APN | 25-5311-34490 |
| Primary APN | 25-5311-34490 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 2 Stories |
| Building Area | 1,196 sqft Gross Area |
| 1st Floor Area | 1,196 sqft |
| Utility Area | 932 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | A-Frame |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Roof Type | Shed Roof |
| Roof Material | Wood |
| Lot Area | 871,200 sqft (20 acres) |
| Garage Type | Mixed |
| Garage Area | 864 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Deck Area | 42 sqft |
| Lean-To | 288 sqft |
| Storage Building | 612 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 770 VALLEY RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-5037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE14 OF SW14 LESS W12 |
| 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 |
770 Valley Rd is owned and occupied by an individual who bought it in November 2016.
Source: Lake County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 770 VALLEY RD, TWO HARBORS, MN 55616-5037 |
| 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 |
|---|---|
| Last Sale | Nov 8, 2016 · Amount on File |
| Deed Sale | Nov 8, 2016 · Amount on File |
| Deed Document Number | 2016186383 |
| Prior Transfer Date | Oct 31, 2016 |
| Prior Transfer Doc | 0000186383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 770 VALLEY RD, TWO HARBORS, MN 55616-5037 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000198081 |
|---|---|
| Date | Aug 2, 2021 |
| Instrument | A000198081 |
| Name | PARK STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
The 2026 property tax bill for 770 Valley Rd was $1,346 with a homeowner's exemption, up 3.7% 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 | $1,346.00 (+3.7%) Homeowner's exemption | $325,600 Land $99,000 Building $226,600 | $325,600 Land $99,000 Building $226,600 |
| 2025 | $1,298.00 | ||
| 2023 | $356,500 Land $94,000 Building $262,500 | $356,500 Land $94,000 Building $262,500 |
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 770 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 770 Valley Rd is low, with a 0.02% 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 | 0.02% 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 12 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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