1801 20th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 1801 20th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,585 sqft · built 2020
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Aug 2023)
Tax Bill	$5,384 (2026)
Deeds & Mortgages	Mar 2020 Refinance Mar 2021 Refinance + 1 more
APN	`25-5311-26920`

Property Details

APN / Parcel Number

Primary APN	`25-5311-26920`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,585 sqft Gross Area
1st Floor Area	2,585 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Lot Area	435,600 sqft (10 acres)
Garage Type	Mixed
Garage Area	1,252 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Deck Area	432 sqft
Pole Barn	1,200 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1801 20TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE14 OF SE14 EXC E 990 FT
Legal Range	11W
Legal Township	53N
Legal Section	26
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 2
Census Block Group	1
Census Block	1129
Census Tract	370102

Owner

Source: Lake County records, as of October 22, 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 Record
Mailing Address	1801 20TH AVE, TWO HARBORS, MN 55616-1801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Mar 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Aug 24, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on Record
Deed Sale	Aug 17, 2023 · Amount on Record
Prior Sale	May 11, 2016 · Amount on Record
Deed Document Number	20231572085
Prior Transfer Date	Mar 15, 2016
Prior Transfer Doc	0000184780
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1801 20TH AVE, TWO HARBORS, MN 55616-1801
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000193734
Date	Mar 25, 2020
Instrument	A000193734

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1801 20TH AVE, TWO HARBORS, MN 55616-1801
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000196703
Date	Mar 11, 2021
Instrument	A000196703

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Aug 24, 2023
Property Address	1801 20TH AVE, TWO HARBORS, MN 55616-1801
Document Number	A000202849
Instrument Date	Aug 17, 2023
Instrument	A000202849
Transaction Type	Transfer
Record Updated	Sep 19, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	1801 20TH AVE, TWO HARBORS, MN 55616-1801

Mortgage

Document Number	A000202850
Date	Aug 24, 2023
Instrument	A000202850

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,384.00 (+0.34%) Homeowner's exemption	$864,600 (-4.39%) Land $88,900 Building $775,700	$864,600 (-4.39%) Land $88,900 Building $775,700
2025	$5,366.00	$904,300 (+0.08%) Land $89,100 Building $815,200	$904,300 (+0.08%) Land $89,100 Building $815,200
2023		$903,600 Land $83,300 Building $820,300	$903,600 Land $83,300 Building $820,300

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 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: T-Mobile.

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