Lake County property record for 978 Ski Hill Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,600 sqft · built 1986 |
| Lot Size | 14.3 acres (623,779 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jul 2007) |
| Tax Bill | $2,398 (2026) |
| Deeds & Mortgages | Jul 2019 Refinance Apr 2018 Mortgage |
| APN | 25-5311-26490 |
| Primary APN | 25-5311-26490 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,600 sqft Gross Area |
| 1st Floor Area | 1,600 sqft |
| Utility Area | 192 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Dome |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 623,779 sqft (14.3 acres) |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 54 sqft |
| Deck Area | 190 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 978 SKI HILL RD |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-5014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELY 847.5 FT OF NE14 OF SW14 EXC E 375FT |
| Legal Range | 11W |
| Legal Township | 53N |
| Legal Section | 26 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | LAKE NO. 2 |
| Census Block Group | 1 |
| Census Block | 1129 |
| Census Tract | 370102 |
978 Ski Hill Rd is owned and occupied by two individuals who bought it in July 2007.
Source: Lake County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 978 SKI HILL RD, TWO HARBORS, MN 55616-5014 |
| 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 |
|---|---|
| Jul 5, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ASSOCIATED BANK NA |
| Apr 27, 2018 | Deed of Trust, Mortgage 2 HARBORS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2007 · Amount on File |
| Deed Sale | Jul 5, 2007 · Amount on File |
| Deed Document Number | 2007164472 |
| Prior Transfer Date | Jun 28, 2007 |
| Prior Transfer Doc | 0000164472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 978 SKI HILL RD, TWO HARBORS, MN 55616-5014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000192126 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | A000192126 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 978 SKI HILL RD, TWO HARBORS, MN 55616-5014 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2018 |
| Name | Verified Name |
|---|
| Document Number | A000189715 |
|---|---|
| Date | Apr 27, 2018 |
| Instrument | A000189715 |
| Name | 2 HARBORS FCU |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 57 Months |
| Due | Jan 1, 2023 |
The 2026 property tax bill for 978 Ski Hill Rd was $2,398 with a homeowner's exemption.
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 | $2,398.00 Homeowner's exemption | $464,100 Land $90,200 Building $373,900 | $464,100 Land $90,200 Building $373,900 |
| 2023 | $479,400 Land $84,400 Building $395,000 | $479,400 Land $84,400 Building $395,000 |
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 978 Ski Hill Rd.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 978 Ski Hill 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Frontier.
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