Lake County property record for 427 2nd Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 922 sqft · built 1889 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,196 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage |
| APN | 23-7660-08100 |
| Primary APN | 23-7660-08100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 2 Stories |
| Building Area | 922 sqft Gross Area |
| 1st Floor Area | 883 sqft |
| Utility Area | 49 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1889 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Shed Roof |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 99 sqft |
| Deck Area | 44 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 427 2ND AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10 BLOCK 8 |
| Legal Subdivision | MINNESOTA IRON COMPANYS |
| Legal Block | 8 |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 370400 |
Source: Lake County records · APN 23-7660-08100
Assessment roll updated August 6, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 427 2ND AVE, TWO HARBORS, MN 55616-1621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 427 2ND AVE, TWO HARBORS, MN 55616-1621 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2018 |
| Name | Verified Name |
|---|
| Document Number | A000190657 |
|---|---|
| Date | Oct 01, 2018 |
| Instrument | A000190657 |
| Name | TWO HARBORS FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 171 Months |
| Due | Jan 01, 2033 |
Source: Lake County records · Assessment roll updated August 6, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $248,300 (+6.57%) Land $27,000 Building $221,300 | $248,300 (+6.57%) Land $27,000 Building $221,300 | |
| 2025 | $2,196.00 | ||
| 2023 | $233,000 Land $18,800 Building $214,200 | $233,000 Land $18,800 Building $214,200 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Zito West Holding Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 538 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Two Harbors serves 3,698 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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