1606 10th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 1606 10th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1979
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Jan 2022)
Tax Bill	$1,696 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Feb 2022 Sale & Mortgage + 1 more
APN	`23-7644-14020`

Property Details

APN / Parcel Number

Primary APN	`23-7644-14020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Stories	1 Story
Building Area	1,040 sqft Gross Area
1st Floor Area	1,040 sqft
Utility Area	96 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	140 ft deep x 30 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1606 10TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 2 BLOCK 14 LESS W 20.1FT OF LOT 2
Legal Subdivision	SEGOGS ADDITION
Legal Block	14
Legal Lot Number	1-2
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	1
Census Block	1052
Census Tract	370400

Owner

1606 10th Ave is owned and occupied by an individual who bought it in January 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1606 10TH AVE, TWO HARBORS, MN 55616-1142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Feb 7, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Mar 19, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2022 · Amount on File
Deed Sale	Jan 28, 2022 · Amount on File
Deed Document Number	20221377675
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1606 10TH AVE, TWO HARBORS, MN 55616-1142
Transaction Type	Mortgage
Record Updated	Oct 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000203025
Date	Sep 26, 2023
Instrument	A000203025

Lender

Name	EMM LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Feb 7, 2022
Property Address	1606 10TH AVE, TWO HARBORS, MN 55616-1142
Document Number	A000199553
Instrument Date	Jan 28, 2022
Instrument	A000199553
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1606 10TH AVE, TWO HARBORS, MN 55616-1142

Mortgage

Document Number	A000199554
Date	Feb 7, 2022
Instrument	A000199554

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Mar 19, 2020
Property Address	1606 10TH AVE, TWO HARBORS, MN 55616-1142
Document Number	A000193706
Instrument Date	Mar 5, 2020
Instrument	A000193706
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 8TH AVE, TWO HARBORS, MN 55616-1306

Tax Assessment & Valuation

The 2026 property tax bill for 1606 10th Ave was $1,696 with a homeowner's exemption, down 7.9% 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	$1,696.00 (-7.93%) Homeowner's exemption	$263,900 Land $31,900 Building $232,000	$263,900 Land $31,900 Building $232,000
2025	$1,842.00
2023		$239,600 Land $24,400 Building $215,200	$239,600 Land $24,400 Building $215,200

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 1606 10th 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

Wildfire risk around 1606 10th 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.

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 213 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

May also be available: AT&T.

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