208 4th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 208 4th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 925 sqft · built 1940
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (May 2023)
Deeds & Mortgages	May 2023 Mortgage May 2021 Sale & Mortgage
APN	`23-7640-07080`

Property Details

APN / Parcel Number

Primary APN	`23-7640-07080`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	925 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Other
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Porch Area	420 sqft
Deck Area	15 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	208 4TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLOCK 7
Legal Block	7
Legal Lot Number	8
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	3
Census Block	3015
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
Co-owner	Verified Secondary Owner
Mailing Address	208 4TH AVE, TWO HARBORS, MN 55616-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage USAA FEDERAL SAVINGS BANK
May 20, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SUMMIT MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 25, 2023 · Amount on Record
Deed Sale	May 25, 2023 · Amount on Record
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	202319
Record Updated	Jun 7, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	May 25, 2023
Property Address	208 4TH AVE, TWO HARBORS, MN 55616-1404
Document Number	A000202319
Instrument Date	May 18, 2023
Instrument	A000202319
Transaction Type	Transfer
Record Updated	Jun 13, 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
Relationship	Joint Tenants
Address	208 4TH AVE, TWO HARBORS, MN 55616-1404

Mortgage

Document Number	A000202320
Date	May 25, 2023
Instrument	A000202320

Lender

Name	USAA FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	May 20, 2021
Property Address	208 4TH AVE, TWO HARBORS, MN 55616-1404
Document Number	A000197399
Instrument Date	May 18, 2021
Instrument	A000197399
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	208 4TH AVE, TWO HARBORS, MN 55616-1404

Mortgage

Document Number	A000197400
Date	May 20, 2021
Instrument	A000197400

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

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	$218,000 Land $18,800 Building $199,200	$218,000 Land $18,800 Building $199,200

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	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 538 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Zito West Holding Fiber	1,000 / 1,000
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA.

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