Lake County property record for 112 Waterfront Dr, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,325 sqft · built 1920 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $2,890 (2026) |
| Deeds & Mortgages | Oct 2020 Refinance |
| APN | 23-7660-06095 |
| Primary APN | 23-7660-06095 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,325 sqft Gross Area |
| 1st Floor Area | 3,325 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Other |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gambrel |
| Roof Material | Other |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 50 ft deep x 41 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 84 sqft |
| Deck Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 112 WATERFRONT DR |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NORTH 40 FT 6 IN OF LOT 9 BLOCK 6 |
| Legal Block | 6 |
| Legal Lot Number | 9 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 370400 |
112 Waterfront Dr is owner-occupied and held in a trust.
Source: Lake County records, as of October 22, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 112 WATERFRONT DR, TWO HARBORS, MN 55616-1526 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
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 | 112 WATERFRONT DR, TWO HARBORS, MN 55616-1526 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | T000047166 |
|---|---|
| Date | Oct 29, 2020 |
| Instrument | T000047166 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2030 |
The 2026 property tax bill for 112 Waterfront Dr was $2,890, up 31.7% from the year before.
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,890.00 (+31.72%) | $226,400 Land $8,600 Building $217,800 | $226,400 Land $8,600 Building $217,800 |
| 2025 | $2,194.00 | ||
| 2023 | $161,800 Land $8,000 Building $153,800 | $161,800 Land $8,000 Building $153,800 |
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 112 Waterfront Dr.
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 112 Waterfront Dr 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Two Harbors serves 3,698 people · EPA ID MN1380005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
May also be available: Frontier, T-Mobile.
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