Lake County property record for 409 12th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1926 |
| Owner | Individual Name on File |
| Last Sale | $95,000 (May 2014) |
| Deeds & Mortgages | Nov 2017 Mortgage |
| APN | 23-7665-75140 |
| Primary APN | 23-7665-75140 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 912 sqft Gross Area |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Wood |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 15 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 409 12TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 BLOCK 75 |
| Legal Block | 75 |
| Legal Lot Number | 14 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 370400 |
Source: Lake County assessment roll, as of February 1, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 12TH AVE, TWO HARBORS, MN 55616-1213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 5, 2014 · Amount on Record |
| Deed Sale | May 5, 2014 · Amount on Record |
| Prior Sale | Jul 14, 2005 · Amount on Record |
| Deed Document Number | 180887 |
| Prior Transfer Date | Aug 29, 2011 |
| Prior Transfer Doc | A000174601 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 409 12TH AVE, TWO HARBORS, MN 55616-1213 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | A000188878 |
|---|---|
| Date | Nov 21, 2017 |
| Instrument | A000188878 |
| Name | TWO HARBORS FCU |
|---|---|
| Type | Credit Union |
| Address | TWO HARBORS, MN 55616 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2032 |
Source: Lake County assessment roll, as of February 1, 2023
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $177,600 Land $18,800 Building $158,800 | $177,600 Land $18,800 Building $158,800 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Zito West Holding Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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