228 4th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 228 4th Ave, Two Harbors, MN 55616 · Last verified August 2023

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 973 sqft · built 1924
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (May 2019)
Deeds & Mortgages	Feb 2021 Refinance Feb 2020 Mortgage + 2 more
APN	`23-7640-07020`

Property Details

APN / Parcel Number

Primary APN	`23-7640-07020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	973 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	240 sqft
Carport	Carport
Carport Area	28 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Porch Area	164 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	228 4TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLOCK 7
Legal Block	7
Legal Lot Number	2
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	3
Census Block	3015
Census Tract	370400

Owner

Source: Lake County records · APN 23-7640-07020

Assessment roll updated February 1, 2023 · Last verified August 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	228 4TH AVE, TWO HARBORS, MN 55616-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Feb 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 24, 2019	Warranty Deed, Transfer · FHA Mortgage SUMMIT MORTGAGE
May 04, 2017	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 28, 2019 · Amount on Record
Deed Sale	May 28, 2019 · Amount on Record
Prior Sale	May 04, 2017
Deed Document Number	191861
Prior Transfer Date	May 24, 2019
Prior Transfer Doc	A000191861
Record Updated	Jun 07, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	228 4TH AVE, TWO HARBORS, MN 55616-1404
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000196473
Date	Feb 16, 2021
Instrument	A000196473

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Mar 01, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	228 4TH AVE, TWO HARBORS, MN 55616-1404
Transaction Type	Mortgage
Record Updated	Mar 11, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000193571
Date	Feb 24, 2020
Instrument	A000193571

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	May 24, 2019
Property Address	228 4TH AVE, TWO HARBORS, MN 55616-1404
Document Number	A000191861
Instrument Date	May 22, 2019
Instrument	A000191861
Transaction Type	Transfer
Record Updated	Aug 24, 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	228 4TH AVE, TWO HARBORS, MN 55616-1404

Mortgage

Document Number	A000191862
Date	May 24, 2019
Instrument	A000191862

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

May 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LAKE MN
Recording Date	May 04, 2017
Property Address	228 4TH AVE, TWO HARBORS, MN 55616-1404
Document Number	A000187453
Instrument Date	Apr 25, 2017
Instrument	A000187453
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated February 1, 2023 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Assessed Value	Assessed Market Value
2023	$239,900 Land $18,800 Building $221,100	$239,900 Land $18,800 Building $221,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 538 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Zito West Holding	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
AT&T	Fixed Wireless	100 / 20

May also be available at this address: T-Mobile USA, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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