1805 7th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 1805 7th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,104 sqft · built 1957
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$127,700 (Mar 2023)
Tax Bill	$1,122 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2021 Refinance
APN	`23-7644-04150`

Property Details

APN / Parcel Number

Primary APN	`23-7644-04150`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,104 sqft Gross Area
1st Floor Area	1,104 sqft
Utility Area	64 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	16 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	1805 7TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 BLOCK 4
Legal Subdivision	SEGOGS ADD
Legal Block	4
Legal Lot Number	15
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2035
Census Tract	370400

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	Individual Name on Record
Mailing Address	422 2ND AVE, TWO HARBORS, MN 55616-1622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Warranty Deed, Transfer TWO HARBORS FCU
Jun 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2023 · Amount on Record
Deed Sale	Mar 27, 2023 · Amount on Record
Deed Document Number	20231521098
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Apr 4, 2023
Property Address	1805 7TH AVE, TWO HARBORS, MN 55616-1108
Document Number	A000202074
Instrument Date	Mar 27, 2023
Instrument	A000202074
Transaction Type	Transfer
Record Updated	Apr 26, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 2ND AVE, TWO HARBORS, MN 55616-1622

Mortgage

Document Number	A000202075
Date	Apr 4, 2023
Instrument	A000202075

Lender

Name	TWO HARBORS FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2033

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	1805 7TH AVE, TWO HARBORS, MN 55616-1108
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000197577
Date	Jun 9, 2021
Instrument	A000197577

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

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	$1,122.00 (-10.81%) Homeowner's exemption	$207,400 (+7.29%) Land $20,700 Building $186,700	$207,400 (+7.29%) Land $20,700 Building $186,700
2025	$1,258.00
2023		$193,300 Land $18,000 Building $175,300	$193,300 Land $18,000 Building $175,300

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 · 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

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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