401 8th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 401 8th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 794 sqft · built 1950
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,234 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2023 Mortgage + 2 more
APN	`23-7663-51160`

Property Details

APN / Parcel Number

Primary APN	`23-7663-51160`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Stories	2 Stories
Building Area	794 sqft Gross Area
1st Floor Area	1,754 sqft
Utility Area	80 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Pool Type	Pool with Hot Tub/Spa
Deck Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	401 8TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLOCK 51
Legal Subdivision	MINNESOTA IRON COS ADD 03
Legal Block	51
Legal Lot Number	16
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4024
Census Tract	370400

Owner

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	401 8TH AVE, TWO HARBORS, MN 55616-1305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage TWO HARBORS FEDERAL CREDIT UNION
Aug 14, 2023	Deed of Trust, Mortgage TWO HARBORS FEDERAL CREDIT UNION
Feb 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION
Jul 2, 2018	Deed of Trust, Mortgage TWO HARBORS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	401 8TH AVE, TWO HARBORS, MN 55616-1305
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000207268
Date	Nov 6, 2025
Instrument	A000207268

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 15, 2040

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	401 8TH AVE, TWO HARBORS, MN 55616-1305
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000202785
Date	Aug 14, 2023
Instrument	A000202785

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2033

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	401 8TH AVE, TWO HARBORS, MN 55616-1305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000193456
Date	Feb 3, 2020
Instrument	A000193456

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2030

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	401 8TH AVE, TWO HARBORS, MN 55616-1305
Transaction Type	Mortgage
Record Updated	Jul 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000190067
Date	Jul 2, 2018
Instrument	A000190067

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	42 Months
Due	Jan 1, 2022

Tax Assessment & Valuation

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	$3,234.00 (+26.13%) Homeowner's exemption	$300,000 (+8.58%) Land $25,600 Building $274,400	$300,000 (+8.58%) Land $25,600 Building $274,400
2025	$2,564.00
2023		$276,300 Land $18,900 Building $257,400	$276,300 Land $18,900 Building $257,400

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

Flood

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

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	Indirect within 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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