115 5th St, Two Harbors, MN 55616 Property Records

Lake County property record for 115 5th St, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1928
Owner	Individual Name on Record
Last Sale	$143,000 (Feb 2019)
Deeds & Mortgages	Apr 2020 Refinance Feb 2019 Sale & Mortgage
APN	`23-7660-06010`

Property Details

APN / Parcel Number

Primary APN	`23-7660-06010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	672 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1990
Exterior Material	Vinyl
Construction Type	Wood
Pool Type	Pool with Hot Tub/Spa
Deck Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	115 5TH ST
City	TWO HARBORS
State	MN
Zip	55616-1600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLOCK 6 LESS N 97FT OF W 5FT
Legal Block	6
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	3
Census Block	3025
Census Tract	370400

Owner

Source: Lake County records, as of August 4, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	719 3RD AVE, TWO HARBORS, MN 55616-1519
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION
Feb 26, 2019	Warranty Deed, Transfer · ARM NORTH SHORE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2019 · Amount on Record
Deed Sale	Feb 27, 2019 · Amount on Record
Deed Document Number	191406
Prior Transfer Date	Feb 26, 2019
Prior Transfer Doc	A000191406
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	115 5TH ST, TWO HARBORS, MN 55616-1600
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000193792
Date	Apr 7, 2020
Instrument	A000193792

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Feb 26, 2019
Property Address	115 5TH ST, TWO HARBORS, MN 55616-1600
Document Number	A000191406
Instrument Date	Feb 16, 2019
Instrument	A000191406
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	719 3RD AVE, TWO HARBORS, MN 55616-1519

Mortgage

Document Number	A000191407
Date	Feb 26, 2019
Instrument	A000191407

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 25, 2024
Index	Other

Tax Assessment & Valuation

Source: Lake County assessment roll, as of February 1, 2023

Property Jurisdictions

Type	Name
State	Minnesota
County	Lake County
Municipality	Two Harbors City
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$186,900 Land $17,500 Building $169,400	$186,900 Land $17,500 Building $169,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 538 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Zito Media Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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