123 Waterfront Dr, Two Harbors, MN 55616 Property Records

Lake County property record for 123 Waterfront Dr, Two Harbors, MN 55616

Property Summary

Property Type	Garden / Court Apartments (5+ Units)
Details	1,000 sqft · built 1947
Lot Size	0.028 acres (1,250 sqft)
Owner	2 Individual Names on File
Last Sale	$144,000 (Aug 2020)
Tax Bill	$3,868 (2026)
Deeds & Mortgages	Oct 2020 Refinance Aug 2020 Sale + 2 more
APN	`23-7660-05014`

Property Details

APN / Parcel Number

Primary APN	`23-7660-05014`

Interior

Stories	1 Story
Building Area	1,000 sqft Gross Area
1st Floor Area	2,226 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1990
Lot Area	1,250 sqft (0.028 acres)
Lot Dimensions	50 ft deep x 25 ft wide

Exterior Amenities

Porch	Slab
Porch Area	250 sqft
Canopy	124 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	123 WATERFRONT DR
City	TWO HARBORS
State	MN
Zip	55616-1525
Property Category	Commercial
Property Type	Residential > Multi-Unit > Garden / Court Apartments (5+ Units)
Legal Description	N 12 OF LOT 1 BLOCK 5 AND N12 OF LOT 2
Legal Subdivision	MINNESOTA IRON COMPANYS
Legal Block	5
Legal Lot Number	1-2
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2068
Census Tract	370400

Owner

123 Waterfront Dr, a residential property, is owned by two individuals who bought it in August 2020.

Source: Lake County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2121 W CASTLE DANGER RD, TWO HARBORS, MN 55616-1281
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK
Aug 11, 2020	Warranty Deed, Transfer
Jul 23, 2020	Quit Claim Deed, Transfer Quitclaim
Sep 4, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on File
Deed Sale	Aug 11, 2020 · Amount on File
Deed Document Number	2020194640
Prior Transfer Date	Jul 17, 2020
Prior Transfer Doc	0000194505
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	123 WATERFRONT DR, TWO HARBORS, MN 55616-1525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000195370
Date	Oct 22, 2020
Instrument	A000195370

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Aug 11, 2020
Property Address	123 WATERFRONT DR, TWO HARBORS, MN 55616-1525
Document Number	A000194640
Instrument Date	Aug 7, 2020
Instrument	A000194640
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Address	2121 W CASTLE DANGER RD, TWO HARBORS, MN 55616-1281

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Jul 23, 2020
Property Address	123 WATERFRONT DR, TWO HARBORS, MN 55616-1525
Document Number	A000194505
Instrument Date	Jul 17, 2020
Instrument	A000194505
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 N HAWTHORNE RD, DULUTH, MN 55812-1542

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Sep 4, 2019
Property Address	123 WATERFRONT DR, TWO HARBORS, MN 55616-1525
Document Number	A000192518
Instrument Date	Sep 4, 2019
Instrument	A000192518
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 N HAWTHORNE RD, DULUTH, MN 55812-1542

Tax Assessment & Valuation

The 2026 property tax bill for 123 Waterfront Dr was $3,868, up 44.5% from the year before.

Source: Lake County assessment roll, as of August 6, 2026

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	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,868.00 (+44.54%)	$301,700 Land $69,700 Building $232,000	$301,700 Land $69,700 Building $232,000
2025	$2,676.00
2023		$160,000 Land $29,400 Building $130,600	$160,000 Land $29,400 Building $130,600

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

Flood

FEMA has no flood map on file for 123 Waterfront Dr; there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	May 1979 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 123 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.

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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