1690 Two Harbors Rd, Two Harbors, MN, 55616
About This Home
Tucked away in the peaceful beauty of Northern Minnesota, this 20-acre property offers the perfect blend of privacy, comfort, and outdoor living. This efficient 864 sq ft home features 1 bedroom, 1 bathroom, and convenient one-level living with no steps and all 36-inch doors for easy accessibility. In-floor heat provides year-round comfort, along with a woodstove for secondary heat. The open-concept kitchen showcases a 6-foot granite island, perfect for entertaining or gathering with family and friends. Enjoy the covered front and side patios, ideal for relaxing and taking in the peaceful surroundings. Four outbuildings provide excellent storage for hobbies, equipment, or recreational use. Surrounded by nature and abundant wildlife, this property is a dream for outdoor enthusiasts, hunters, or anyone seeking a quiet retreat. Experience country living with opportunities to explore, relax, and enjoy the beauty of the Northwoods. Schedule a showing with your agent today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Previously Owned
- Year built: 2021
Materials
- Roof: Metal
- Construction materials: Vinyl,Frame/Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Water Heater-Gas,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Basement: N/A
Bathroom
- Level: Main
- Area: 81
- Dimensions: 9 x 9
Bedroom
- Level: Main
- Area: 192
- Dimensions: 12 x 16
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- 3/4 bathrooms: 1
- Main level bedrooms: 1
Features
- Door features: Patio Door
- Window features: Vinyl Windows
- Number of fireplaces: 1
- Fireplace features: Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 864
Great Room
- Level: Main
- Area: 280
- Dimensions: 14 x 20
Heating & Cooling
- Heating features: In Floor Heat,Wood
- Cooling features: None
Interior Area
- Total interior livable area: 864 sqft
Kitchen
- Level: Main
- Area: 180
- Dimensions: 10 x 18
Laundry
- Level: Main
- Area: 81
- Dimensions: 9 x 9
Property
Accessibility
- Accessibility features: Accessible Doors,No Stairs External,No Stairs Internal
Details
- Parcel number: 210001006205
- Other equipment: Fuel Tank-Rented
- Foundation area: 864
Features
- On waterfront: Yes
- Waterfront features: Creek/Stream,Waterfront Access(Private)
- Waterbody name: Captain Jacobson Creek
- Frontage length: 0
Lot
- Lot size: 20 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 660 x 1320
Parking
- Parking features: Gravel,Carport,None
- Carport: Yes
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
- Winter Weather
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters in St. Louis 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 | $1,390 | $16,680 |
| Home Insurance * | $164 | $1,968 |
| Property Taxes | $6 | $72 |
| Electricity | $170 | $2,050 |
| Total | $1,730 | $20,760 |
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 |
|---|---|---|
| 2026-05-07 | Listed for sale | $289,900 |
| 2018-10-29 | Sold | $60,000 |
| 2006-12-15 | Sold | $60,000 |
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