Lake County property record for 116 2nd Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,302 sqft · built 1930 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Feb 2017) |
| Tax Bill | $1,492 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage Jun 2022 Mortgage + 1 more |
| APN | 23-7640-20060 |
| Primary APN | 23-7640-20060 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,302 sqft Gross Area |
| 1st Floor Area | 1,302 sqft |
| Utility Area | 120 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Vinyl Panel/Coating |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | A-Frame |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 32 sqft |
| Lean-To | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 116 2ND AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLOCK 20 |
| Legal Subdivision | TWO HARBOURS |
| Legal Block | 20 |
| Legal Lot Number | 6 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 370400 |
116 2nd Ave is owned and occupied by two individuals who bought it in February 2017.
Source: Lake County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 116 2ND AVE, TWO HARBORS, MN 55616-1616 |
| 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 |
|---|---|
| Sep 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Jun 14, 2022 | Deed of Trust, Mortgage · Stand-Alone First Mortgage NORTH SHORE FEDERAL CREDIT UNION |
| Feb 3, 2017 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2017 · Amount on File |
| Deed Sale | Feb 3, 2017 · Amount on File |
| Deed Document Number | 2017186962 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 116 2ND AVE, TWO HARBORS, MN 55616-1616 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000202938 |
|---|---|
| Date | Sep 11, 2023 |
| Instrument | A000202938 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 116 2ND AVE, TWO HARBORS, MN 55616-1616 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000200430 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | A000200430 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Feb 3, 2017 |
| Property Address | 116 2ND AVE, TWO HARBORS, MN 55616-1616 |
| Document Number | A000186962 |
| Instrument Date | Jan 30, 2017 |
| Instrument | A000186962 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $363.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 124 2ND AVE, TWO HARBORS, MN 55616-1616 |
The 2026 property tax bill for 116 2nd Ave was $1,492 with a homeowner's exemption, down 6.3% 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 | $1,492.00 (-6.28%) Homeowner's exemption | $236,600 Land $27,000 Building $209,600 | $236,600 Land $27,000 Building $209,600 |
| 2025 | $1,592.00 | ||
| 2023 | $202,400 Land $18,800 Building $183,600 | $202,400 Land $18,800 Building $183,600 |
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 116 2nd Ave.
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 116 2nd Ave 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 168 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 | 1,000 / 50 |
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