413 5th St, Two Harbors, MN 55616 Property Records

Lake County property record for 413 5th St, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 640 sqft · built 1902
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Tax Bill	$844 (2026)
Deeds & Mortgages	Aug 2018 Mortgage Aug 2018 Transfer
APN	`23-7660-19160`

Property Details

APN / Parcel Number

Primary APN	`23-7660-19160`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	640 sqft Gross Area
1st Floor Area	640 sqft
Flooring	Vinyl/Resilient
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1985
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Wood
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	50 ft deep x 50 ft wide
Garage Area	270 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	15 sqft
Deck Area	10 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	413 5TH ST
City	TWO HARBORS
State	MN
Zip	55616-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLOCK 19 LESS S 90FT & N 30FT OF E
Legal Subdivision	MINNESOTA IRON COMPANYS ORIGINAL PLAT
Legal Block	19
Legal Lot Number	16
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2056
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	413 5TH ST, TWO HARBORS, MN 55616-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2018	Deed of Trust, Mortgage LAKE BANK
Aug 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	413 5TH ST, TWO HARBORS, MN 55616-1415
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000190330
Date	Aug 14, 2018
Instrument	A000190330

Lender

Name	LAKE BANK

Agreement

Amount	Amount Recorded

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Aug 2, 2018
Property Address	413 5TH ST, TWO HARBORS, MN 55616-1415
Document Number	A000190227
Instrument	A000190227
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 5TH ST, TWO HARBORS, MN 55616-1415

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	$844.00 Homeowner's exemption	$170,400 (+19.92%) Land $12,200 Building $158,200	$170,400 (+19.92%) Land $12,200 Building $158,200
2023		$142,100 Land $6,700 Building $135,400	$142,100 Land $6,700 Building $135,400

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	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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