332 3rd Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 332 3rd Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 979 sqft · built 1901
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Oct 2020)
Tax Bill	$2,600 (2026)
Deeds & Mortgages	Dec 2022 Refinance Oct 2020 Sale & Mortgage + 1 more
APN	`23-7640-15020`

Property Details

APN / Parcel Number

Primary APN	`23-7640-15020`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Stories	2 Stories
Building Area	979 sqft Gross Area
1st Floor Area	979 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	832 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	84 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	332 3RD AVE
City	TWO HARBORS
State	MN
Zip	55616-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLOCK 15
Legal Subdivision	EAST TWO HARBORS
Legal Block	15
Legal Lot Number	2
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	3
Census Block	3022
Census Tract	370400

Owner

332 3rd Ave is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	332 3RD AVE, TWO HARBORS, MN 55616-1627
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
Dec 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION
Oct 21, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage WINTRUST MORTGAGE
Jul 24, 2018	Deed of Trust, Mortgage NORTH SHORE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on File
Deed Sale	Oct 21, 2020 · Amount on File
Prior Sale	Sep 9, 2014 · Amount on File
Deed Document Number	2020195341
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	332 3RD AVE, TWO HARBORS, MN 55616-1627
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000201538
Date	Dec 2, 2022
Instrument	A000201538

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2038

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Oct 21, 2020
Property Address	332 3RD AVE, TWO HARBORS, MN 55616-1627
Document Number	A000195341
Instrument Date	Oct 9, 2020
Instrument	A000195341
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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
Relationship	Tenants in Common
Address	332 3RD AVE, TWO HARBORS, MN 55616-1627

Mortgage

Document Number	A000195342
Date	Oct 21, 2020
Instrument	A000195342

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	332 3RD AVE, TWO HARBORS, MN 55616-1627
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000190178
Date	Jul 24, 2018
Instrument	A000190178

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 332 3rd Ave was $2,600 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	$2,600.00 Homeowner's exemption	$327,900 Land $27,000 Building $300,900	$327,900 Land $27,000 Building $300,900
2023		$290,600 Land $18,800 Building $271,800	$290,600 Land $18,800 Building $271,800

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 332 3rd 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 332 3rd 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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