219 7th St, Two Harbors, MN 55616 Property Records

Lake County property record for 219 7th St, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 840 sqft · built 1914
Owner	Individual Name on Record
Last Sale	$75,000 (Jul 2020)
Deeds & Mortgages	Jun 2021 Refinance Jul 2020 Sale & Mortgage
APN	`23-7660-11015`

Property Details

APN / Parcel Number

Primary APN	`23-7660-11015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	840 sqft Gross Area
Utility Area	70 sqft
Utility Room	Utility Room
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1990
Exterior Material	Vinyl
Construction Type	Wood
Garage Type	Carport
Carport	Carport
Carport Area	175 sqft
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	219 7TH ST
City	TWO HARBORS
State	MN
Zip	55616-1594
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S12 OF LOT 1 BLOCK 11
Legal Block	11
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2063
Census Tract	370400

Owner

Source: Lake County records, as of August 4, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1825 HIGHWAY 2, TWO HARBORS, MN 55616-3020
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONAL BANK OF COMMERCE
Jul 20, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage NATIONAL BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	Apr 5, 2012 · Amount on Record
Deed Document Number	194478
Prior Transfer Date	Jul 20, 2020
Prior Transfer Doc	A000194478
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	219 7TH ST, TWO HARBORS, MN 55616-1594
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000197533
Date	Jun 3, 2021
Instrument	A000197533

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 20, 2020
Property Address	219 7TH ST, TWO HARBORS, MN 55616-1594
Document Number	A000194478
Instrument Date	Jun 19, 2020
Instrument	A000194478
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	1825 HIGHWAY 2, TWO HARBORS, MN 55616-3020

Mortgage

Document Number	A000194479
Date	Jul 20, 2020
Instrument	A000194479

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2021

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	$189,500 Land $9,400 Building $180,100	$189,500 Land $9,400 Building $180,100

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 97 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
Starlink Satellite	280 / 30

May also be available: Frontier, T-Mobile.

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