407 8th St, Two Harbors, MN 55616 Property Records

Lake County property record for 407 8th St, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,014 sqft · built 1902
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$89,000 (Mar 2021)
Tax Bill	$1,890 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2022 Sale & Mortgage + 3 more
APN	`23-7660-22160`

Property Details

APN / Parcel Number

Primary APN	`23-7660-22160`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,014 sqft Gross Area
1st Floor Area	1,014 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Fiber Cement Siding
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	Carport
Garage Area	396 sqft
Carport	Carport
Carport Area	396 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	16 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	407 8TH ST
City	TWO HARBORS
State	MN
Zip	55616-1463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLOCK 22
Legal Subdivision	MINNESOTA IRON COS
Legal Block	22
Legal Lot Number	16
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2021
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	Individual Name on Record
Mailing Address	115 5TH ST, TWO HARBORS, MN 55616-1600
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE FCU
Jan 18, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE FEDERAL CREDIT UNION
Jan 18, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 29, 2021	Warranty Deed, Transfer
Dec 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2021 · Amount on Record
Deed Sale	Mar 29, 2021 · Amount on Record
Deed Document Number	2021196867
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	407 8TH ST, TWO HARBORS, MN 55616-1463
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000207804
Date	Feb 11, 2026
Instrument	A000207804

Lender

Name	NORTH SHORE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2056

Interest

Rate Type	Adjustable Rate
Rate	0.06%
Index	Other

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jan 18, 2022
Property Address	407 8TH ST, TWO HARBORS, MN 55616-1463
Document Number	A000199393
Instrument Date	Jan 14, 2022
Instrument	A000199393
Transaction Type	Transfer
Record Updated	Feb 9, 2022

Transaction

Amount	Amount Recorded
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	407 8TH ST, TWO HARBORS, MN 55616-1463

Mortgage

Document Number	A000199394
Date	Jan 18, 2022
Instrument	A000199394

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jan 14, 2027
Max Rate At Change	1%
Index	Other
Margin	1

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Jan 18, 2022
Property Address	407 8TH ST, TWO HARBORS, MN 55616-1463
Document Number	A000199392
Instrument Date	Jan 14, 2022
Instrument	A000199392
Transaction Type	Transfer
Record Updated	Feb 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 5TH ST, TWO HARBORS, MN 55616-1600

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Mar 29, 2021
Property Address	407 8TH ST, TWO HARBORS, MN 55616-1463
Document Number	A000196867
Instrument Date	Mar 26, 2021
Instrument	A000196867
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
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	407 8TH ST, TWO HARBORS, MN 55616-1463

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	407 8TH ST, TWO HARBORS, MN 55616-1463
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000193104
Date	Dec 5, 2019
Instrument	A000193104

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

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	$1,890.00 (-29.11%)	$157,900 (+14.92%) Land $30,500 Building $127,400	$157,900 (+14.92%) Land $30,500 Building $127,400
2025	$2,666.00
2023		$137,400 Land $18,800 Building $118,600	$137,400 Land $18,800 Building $118,600

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	1 (1979)
Most Recent Claim	May 1979 · tidal / storm surge

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	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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