1803 7th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 1803 7th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 664 sqft · built 1929
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Apr 2017)
Deeds & Mortgages	Apr 2020 Refinance Apr 2017 Sale & Mortgage
APN	`23-7644-04160`

Property Details

APN / Parcel Number

Primary APN	`23-7644-04160`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	664 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1970
Exterior Material	Wood
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	816 sqft
Carport	Carport
Carport Area	42 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1803 7TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLOCK 4
Legal Block	4
Legal Lot Number	16
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2035
Census Tract	370400

Owner

Source: Lake County assessment roll, as of February 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1803 7TH AVE, TWO HARBORS, MN 55616-1108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION
Apr 20, 2017	Warranty Deed, Transfer · ARM NORTH SHORE FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 21, 2017 · Amount on Record
Deed Sale	Apr 21, 2017 · Amount on Record
Deed Document Number	187362
Prior Transfer Date	Apr 20, 2017
Prior Transfer Doc	A000187362
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1803 7TH AVE, TWO HARBORS, MN 55616-1108
Transaction Type	Mortgage
Record Updated	May 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000193827
Date	Apr 14, 2020
Instrument	A000193827

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2030

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Apr 20, 2017
Property Address	1803 7TH AVE, TWO HARBORS, MN 55616-1108
Document Number	A000187362
Instrument Date	Apr 14, 2017
Instrument	A000187362
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$379.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000187363
Date	Apr 20, 2017
Instrument	A000187363

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 14, 2020
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of February 1, 2023

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	Assessed Value	Assessed Market Value
2023	$190,500 Land $18,000 Building $172,500	$190,500 Land $18,000 Building $172,500

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 · 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

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

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 West Holding Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50

May also be available: AT&T.

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