425 9th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 425 9th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,039 sqft · built 1922
Owner	Individual Name on Record
Last Sale	$308,500 (Aug 2023)
Deeds & Mortgages	Apr 2017 Mortgage Aug 2023 Sale & Mortgage + 1 more
APN	`23-7663-52100`

Property Details

APN / Parcel Number

Primary APN	`23-7663-52100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,039 sqft Gross Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Garage Type	Mixed
Garage Area	1,008 sqft
Carport	Carport
Carport Area	80 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	425 9TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLOCK 52
Legal Block	52
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4006
Census Tract	370400

Owner

Source: Lake County records, as of September 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
Co-owner	Co-owner on Record
Mailing Address	425 9TH AVE, TWO HARBORS, MN 55616-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FCU
Aug 15, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jul 17, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2023 · Amount on Record
Deed Sale	Aug 15, 2023 · Amount on Record
Prior Sale	Jul 17, 2017 · Amount on Record
Deed Document Number	A000202792
Record Updated	Jun 7, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	425 9TH AVE, TWO HARBORS, MN 55616-1319
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000187270
Date	Apr 3, 2017
Instrument	A000187270

Lender

Name	TWO HARBORS FCU
Type	Credit Union
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Aug 15, 2023
Property Address	425 9TH AVE, TWO HARBORS, MN 55616-1319
Document Number	A000202792
Instrument Date	Aug 11, 2023
Instrument	A000202792
Transaction Type	Transfer
Record Updated	Sep 5, 2023

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
Relationship	Joint Tenants
Address	425 9TH AVE, TWO HARBORS, MN 55616-1319

Mortgage

Document Number	A000202793
Date	Aug 15, 2023
Instrument	A000202793

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 17, 2017
Property Address	425 9TH AVE, TWO HARBORS, MN 55616-1319
Document Number	A000187956
Instrument Date	Jul 14, 2017
Instrument	A000187956
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	A000187957
Date	Jul 17, 2017
Instrument	A000187957

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Lake County assessment roll, as of February 1, 2023

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	Assessed Value	Assessed Market Value
2023	$283,600 Land $18,800 Building $264,800	$283,600 Land $18,800 Building $264,800

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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