222 4th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 222 4th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 912 sqft · built 1903
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Sep 2025)
Tax Bill	$1,562 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Dec 2017 Mortgage + 3 more
APN	`23-7640-07040`

Property Details

APN / Parcel Number

Primary APN	`23-7640-07040`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Stories	1 Story
Building Area	912 sqft Gross Area
1st Floor Area	576 sqft
Utility Area	144 sqft
Flooring	Wood
Interior Walls	Metal
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 2005
Architectural Style	A-Frame
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	21 sqft
Deck Area	56 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	222 4TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLOCK 7
Legal Subdivision	TWO HARBORS
Legal Block	7
Legal Lot Number	4
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	3
Census Block	3015
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	222 4TH AVE, TWO HARBORS, MN 55616-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2018	Deed of Trust, Mortgage TWO HARBORS FEDERAL CREDIT UNION
Dec 1, 2017	Deed of Trust, Mortgage TWO HARBORS FCU
Aug 30, 2017	Deed of Trust, Mortgage TWO HARBORS FCU
Jun 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION
Sep 5, 2025	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Deed Document Number	20251802123
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	222 4TH AVE, TWO HARBORS, MN 55616-1404
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000190850
Date	Nov 5, 2018
Instrument	A000190850

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	222 4TH AVE, TWO HARBORS, MN 55616-1404
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000188941
Date	Dec 1, 2017
Instrument	A000188941

Lender

Name	TWO HARBORS FCU
Type	Credit Union
Address	TWO HARBORS, MN 55616

Agreement

Amount	Amount Recorded

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	222 4TH AVE, TWO HARBORS, MN 55616-1404
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000188227
Date	Aug 30, 2017
Instrument	A000188227

Lender

Name	TWO HARBORS FCU
Type	Credit Union
Address	TWO HARBORS, MN 55616

Agreement

Amount	Amount Recorded
Term	145 Months
Due	Sep 1, 2029

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	222 4TH AVE, TWO HARBORS, MN 55616-1404
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000197728
Date	Jun 24, 2021
Instrument	A000197728

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

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

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 5, 2025
Property Address	222 4TH AVE, TWO HARBORS, MN 55616-1404
Document Number	A000206814
Instrument Date	Sep 3, 2025
Instrument	A000206814
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

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
Address	222 4TH AVE, TWO HARBORS, MN 55616-1404

Mortgage

Document Number	A000206815
Date	Sep 5, 2025
Instrument	A000206815

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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	$1,562.00 (-1.51%) Homeowner's exemption	$263,700 (+20.8%) Land $27,000 Building $236,700	$263,700 (+20.8%) Land $27,000 Building $236,700
2025	$1,586.00	$218,300 (+3.46%) Land $20,700 Building $197,600	$218,300 (+3.46%) Land $20,700 Building $197,600
2023		$211,000 Land $18,800 Building $192,200	$211,000 Land $18,800 Building $192,200

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

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

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

May also be available: T-Mobile.

Nearby Properties on 4th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures