Lake County property record for 430 10th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 828 sqft · built 1940 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $48,760 (Apr 2024) |
| Tax Bill | $1,616 (2026) |
| Deeds & Mortgages | Oct 2025 Transfer Apr 2024 Mortgage |
| APN | 23-7663-52080 |
| Primary APN | 23-7663-52080 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 1 Story |
| Building Area | 828 sqft Gross Area |
| 1st Floor Area | 828 sqft |
| Flooring | Vinyl/Resilient |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bungalow |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 122 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 | 192 sqft |
| Deck Area | 48 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 430 10TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 BLOCK 52 LESS S 18FT |
| Legal Subdivision | MINNESOTA IRON COMPANYS THIRD ADDITION |
| Legal Block | 52 |
| Legal Lot Number | 8 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 370400 |
430 10th Ave is owned and occupied by an individual who bought it in April 2024.
Source: Lake County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 430 10TH AVE, TWO HARBORS, MN 55616-1335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 28, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Apr 10, 2024 | Deed of Trust, Mortgage · Stand-Alone First Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2024 · Amount on File |
| Deed Sale | Apr 4, 2024 · Amount on File |
| Prior Sale | Apr 4, 2024 · Amount on File |
| Deed Document Number | 20241636424 |
| Prior Transfer Date | Aug 24, 2005 |
| Prior Transfer Doc | 0000159017 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Oct 28, 2025 |
| Property Address | 430 10TH AVE, TWO HARBORS, MN 55616-1335 |
| Document Number | A000207194 |
| Instrument Date | Oct 17, 2025 |
| Instrument | A000207194 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 430 10TH AVE, TWO HARBORS, MN 55616-1335 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 430 10TH AVE, TWO HARBORS, MN 55616-1335 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Name | Verified Name |
|---|
| Document Number | A000203952 |
|---|---|
| Date | Apr 10, 2024 |
| Instrument | A000203952 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
The 2026 property tax bill for 430 10th Ave was $1,616 with a homeowner's exemption, down 0.5% from the year before.
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,616.00 (-0.49%) Homeowner's exemption | $200,200 (-10.14%) Land $25,300 Building $174,900 | $200,200 (-10.14%) Land $25,300 Building $174,900 |
| 2025 | $1,624.00 | $222,800 Land $21,400 Building $201,400 | $222,800 Land $21,400 Building $201,400 |
| 2023 | $214,500 Land $18,500 Building $196,000 | $214,500 Land $18,500 Building $196,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 430 10th Ave; there have been 4 flood claims nearby since 2012.
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 risk around 430 10th Ave is low, with a 0.01% annual chance of 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.
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 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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