Lake County property record for 123 3rd Ave, Two Harbors, MN 55616 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.25 ba · 1,698 sqft · built 1903 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,586 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage |
| APN | 23-7640-11040 |
| Primary APN | 23-7640-11040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Stories | 1 Story |
| Building Area | 1,698 sqft Gross Area |
| 1st Floor Area | 1,568 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | A-Frame |
| Exterior Material | Wood |
| 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 | Mixed |
| Garage Area | 1,384 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Open Porch |
| Deck Area | 296 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 123 3RD AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLOCK 11 |
| Legal Subdivision | EAST 02 HARBORS |
| Legal Block | 11 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 370400 |
Source: Lake County records · APN 23-7640-11040
Assessment roll updated August 6, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 123 3RD AVE, TWO HARBORS, MN 55616-1623 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 123 3RD AVE, TWO HARBORS, MN 55616-1623 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | A000203791 |
|---|---|
| Date | Mar 04, 2024 |
| Instrument | A000203791 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 0.07% |
| Index | 1-Year CMT |
Source: Lake County records · Assessment roll updated August 6, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $280,900 (+34.08%) Land $27,000 Building $253,900 | $280,900 (+34.08%) Land $27,000 Building $253,900 | |
| 2025 | $1,586.00 | ||
| 2023 | $209,500 Land $18,800 Building $190,700 | $209,500 Land $18,800 Building $190,700 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| Wildfire Risk | Low above 6% of the US · above 20% of Minnesota |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 7,000 / 7,000 |
| Mediacom Communications | Cable | 1,000 / 50 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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