2428 Highway 3, Two Harbors, MN, 55616
About This Home
Enjoy country living minutes from town on 12.43 acres. This 3 bed / 3 bath home offers a flexible layout with multiple bonus/flex rooms for office, crafts, playroom, or guest overflow, plus a separate recreation room. The cozy living room features a beautiful gas fireplace as the centerpiece. A large kitchen with stainless appliances adjoins the dining area, which opens to the front deck with ramp. Accessibility is a standout: the main floor is handicap accessible, and one main-floor bath includes a lift from an adjacent bonus room (see photos for details). Outdoors, you’ll have room for gardens, hobbies, or future outbuildings (buyer to verify), all with quick access to Hwy 3/Hwy 61 and the North Shore. Selling as-is—bring your vision and make it your own.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Previously Owned
- Year built: 1989
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt Shingle
- Construction materials: Brick,Vinyl,Frame/Wood
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Water Heater-Electric,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Dryer Hook-Ups,Washer Hookup
Bathroom
- Level: Upper
- Area: 50
- Dimensions: 10 x 5
Bathroom
- Level: Main
- Area: 100
- Dimensions: 10 x 10
Bathroom
- Level: Main
- Area: 60
- Dimensions: 10 x 6
Bedroom
- Level: Upper
- Area: 143
- Dimensions: 11 x 13
Bedroom
- Level: Upper
- Area: 143
- Dimensions: 11 x 13
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 1
- 3/4 bathrooms: 1
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Dining Room
- Level: Main
- Area: 144
- Dimensions: 12 x 12
Family Room
- Level: Upper
- Area: 408
- Dimensions: 17 x 24
Features
- Ceiling Fan(s),Eat In Kitchen,Natural Woodwork
- Door features: Patio Door
- Window features: Vinyl Windows
- Flooring: Hardwood Floors,Tiled Floors
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,700
Heating
- Heating features: Baseboard,Boiler,Fireplace(s),Forced Air,Propane,Electric
Interior Area
- Total interior livable area: 2,700 sqft
Kitchen
- Level: Main
- Area: 110
- Dimensions: 11 x 10
Laundry
- Level: Main
- Area: 120
- Dimensions: 10 x 12
Living Room
- Level: Main
- Area: 350
- Dimensions: 25 x 14
Master Bedroom
- Level: Main
- Area: 196
- Dimensions: 14 x 14
Office
- Level: Main
- Area: 108
- Dimensions: 12 x 9
Property
Accessibility
- Accessibility features: Customized Wheelchair Accessible,Accessible Doors,Accessible Approach with Ramp,Grab Bars In Bathroom,Roll-In Shower
Details
- Parcel number: 29531003370
- Zoning description: Residential
- Foundation area: 1680
Features
- Levels: Multi-Level
- Patio & porch: Deck
Lot
- Lot size: 12.43 Acres
- Lot size dimensions: 415 x 1320
Parking
- Total spaces: 2
- Parking features: Gravel,Detached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Lightning
- Strong Wind
- Winter Weather
- Hail
- Inland Flooding
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Lake County and Minnesota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,819 | $21,828 |
| Home Insurance * | $164 | $1,968 |
| Property Taxes | $137 | $1,644 |
| Electricity | $227 | $2,732 |
| Total | $2,347 | $28,164 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
No market data available for this area
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-01 | Price change | $389,900 |
| 2026-04-01 | Listed for sale | $399,900 |
| 2025-12-10 | Listing removed | $399,900 |
| 2025-10-27 | Listed for sale | $399,900 |
| 2018-04-05 | Sold | $309,500 |
| 2018-03-22 | Pending sale | $329,000 |
| 2017-06-14 | Listed for sale | $329,000 |
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