Lake County property record for 320 3rd Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 756 sqft · built 1913 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,458 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| APN | 23-7640-15050 |
| Primary APN | 23-7640-15050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 756 sqft Gross Area |
| 1st Floor Area | 756 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| 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 |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Street Address | 320 3RD AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLOCK 15 |
| Legal Block | 15 |
| Legal Lot Number | 5 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 370400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 320 3RD AVE, TWO HARBORS, MN 55616-1627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 320 3RD AVE, TWO HARBORS, MN 55616-1627 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | A000199844 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | A000199844 |
| Name | PARK STATE BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Type Change Date | Apr 1, 2032 |
| Index | Other |
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,458.00 (-6.06%) Homeowner's exemption | $186,400 (+7.25%) Land $27,000 Building $159,400 | $186,400 (+7.25%) Land $27,000 Building $159,400 |
| 2025 | $1,552.00 | $173,800 (-0.57%) Land $20,700 Building $153,100 | $173,800 (-0.57%) Land $20,700 Building $153,100 |
| 2023 | $174,800 Land $18,800 Building $156,000 | $174,800 Land $18,800 Building $156,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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