315 4th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 315 4th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,076 sqft · built 1908
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$172,000 (Apr 2017)
Tax Bill	$2,804 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Apr 2017 Sale & Mortgage
APN	`23-7640-01060`

Property Details

APN / Parcel Number

Primary APN	`23-7640-01060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,076 sqft Gross Area
1st Floor Area	1,066 sqft
Flooring	Vinyl/Resilient
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Wood
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	50 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	315 4TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 1
Legal Subdivision	EAST TWO HARBORS
Legal Block	1
Legal Lot Number	6
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4036
Census Tract	370400

Owner

315 4th Ave is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	315 4TH AVE, TWO HARBORS, MN 55616-1405
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

Date	Document
Feb 4, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Apr 21, 2017	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2017 · Amount on File
Deed Sale	Apr 21, 2017 · Amount on File
Prior Sale	Mar 11, 2015 · Amount on File
Deed Document Number	2017187367
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Feb 4, 2022
Property Address	315 4TH AVE, TWO HARBORS, MN 55616-1405
Document Number	A000199541
Instrument Date	Jan 25, 2022
Instrument	A000199541
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	315 4TH AVE, TWO HARBORS, MN 55616-1405

Mortgage

Document Number	A000199542
Date	Feb 4, 2022
Instrument	A000199542

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Apr 21, 2017
Property Address	315 4TH AVE, TWO HARBORS, MN 55616-1405
Document Number	A000187367
Instrument Date	Apr 20, 2017
Instrument	A000187367
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$567.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	A000187368
Date	Apr 21, 2017
Instrument	A000187368

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 315 4th Ave was $2,804 with a homeowner's exemption.

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	$2,804.00 Homeowner's exemption	$343,400 Land $27,000 Building $316,400	$343,400 Land $27,000 Building $316,400
2023		$320,900 (+23.14%) Land $18,800 Building $302,100	$320,900 (+23.14%) Land $18,800 Building $302,100
2022		$260,600 Land $16,400 Building $244,200	$260,600 Land $16,400 Building $244,200

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 4th Ave; there have been 4 flood claims nearby since 2012.

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	4 (2012–2019)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2019 · river or lake flooding

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

Wildfire risk around 315 4th 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 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.

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