315 2nd Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 315 2nd Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 672 sqft · built 1903
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Aug 2025)
Tax Bill	$966 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
APN	`23-7640-16050`

Property Details

APN / Parcel Number

Primary APN	`23-7640-16050`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Stories	2 Stories
Building Area	672 sqft Gross Area
1st Floor Area	672 sqft
Utility Area	96 sqft
Flooring	Wood
Interior Walls	Metal
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	140 ft deep x 25 ft wide
Garage Type	Carport
Carport	Carport
Pool Type	Pool with Hot Tub/Spa
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	315 2ND AVE
City	TWO HARBORS
State	MN
Zip	55616-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E12 OF LOT 5 BLOCK 16
Legal Subdivision	EAST TWO HARBORS
Legal Block	16
Legal Lot Number	5
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	3
Census Block	3028
Census Tract	370400

Owner

315 2nd Ave is owned and occupied by an individual who bought it in August 2025.

Source: Lake County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	315 2ND AVE, TWO HARBORS, MN 55616-1619
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2025 · Amount on File
Deed Sale	Aug 18, 2025 · Amount on File
Prior Sale	Jul 31, 2013 · Amount on File
Deed Document Number	20251805185
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 15, 2025
Property Address	315 2ND AVE, TWO HARBORS, MN 55616-1619
Document Number	A000206888
Instrument Date	Aug 18, 2025
Instrument	A000206888
Transaction Type	Transfer
Record Updated	Oct 14, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
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	315 2ND AVE, TWO HARBORS, MN 55616-1619

Mortgage

Document Number	A000206889
Date	Sep 15, 2025
Instrument	A000206889

Lender

Name	NORTH SHORE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 12, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 315 2nd Ave was $966 with a homeowner's exemption, down 58.3% from the year before.

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	$966.00 (-58.25%) Homeowner's exemption	$203,200 (+21.39%) Land $13,500 Building $189,700	$203,200 (+21.39%) Land $13,500 Building $189,700
2025	$2,314.00	$167,400 Land $10,400 Building $157,000	$167,400 Land $10,400 Building $157,000
2023		$167,900 Land $9,400 Building $158,500	$167,900 Land $9,400 Building $158,500

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

Flood

FEMA has no flood map on file for 315 2nd Ave.

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

Wildfire risk around 315 2nd Ave is low, with a 0.01% annual chance of 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 168 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	1,000 / 50