Lake County property record for 422 2nd Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,187 sqft · built 1889 |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (May 2018) |
| Deeds & Mortgages | Mar 2023 Refinance May 2018 Mortgage + 1 more |
| APN | 23-7660-07050 |
| Primary APN | 23-7660-07050 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,187 sqft Gross Area |
| Fireplace | Fireplace |
| Year Built | Built 1889 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Traditional |
| Exterior Material | Other |
| Construction Type | Wood |
| Garage Type | Mixed |
| Garage Area | 624 sqft |
| Carport | Carport |
| Carport Area | 96 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 422 2ND AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 & E 12 OF LOT 6 BLOCK 7 |
| Legal Block | 7 |
| Legal Lot Number | 5-6 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 370400 |
Source: Lake County records, as of August 4, 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 Record |
|---|---|
| Mailing Address | 422 2ND AVE, TWO HARBORS, MN 55616-1622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION |
| May 14, 2018 | Deed of Trust, Mortgage LAKE BANK |
| Sep 11, 2017 | Warranty Deed, Transfer · Conventional Mortgage THE LAKE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2018 · Amount on Record |
| Deed Sale | May 16, 2018 · Amount on Record |
| Deed Document Number | 189805 |
| Prior Transfer Date | Sep 11, 2017 |
| Prior Transfer Doc | A000188293 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 422 2ND AVE, TWO HARBORS, MN 55616-1622 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000201963 |
|---|---|
| Date | Mar 8, 2023 |
| Instrument | A000201963 |
| Name | TWO HARBORS FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Apr 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 422 2ND AVE, TWO HARBORS, MN 55616-1622 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | A000189806 |
|---|---|
| Date | May 14, 2018 |
| Instrument | A000189806 |
| Name | LAKE BANK |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 11, 2017 |
| Property Address | 422 2ND AVE, TWO HARBORS, MN 55616-1622 |
| Document Number | A000188293 |
| Instrument Date | Sep 8, 2017 |
| Instrument | A000188293 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | A000188294 |
|---|---|
| Date | Sep 11, 2017 |
| Instrument | A000188294 |
| Name | THE LAKE BANK |
|---|---|
| Type | Bank |
| Address | TWO HARBORS, MN 55616 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
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 | $249,900 Land $28,200 Building $221,700 | $249,900 Land $28,200 Building $221,700 |
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 168 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 | 1,000 / 50 |
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