430 5th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 430 5th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 696 sqft · built 1898
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jan 2023)
Tax Bill	$932 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Feb 2022 Sale + 2 more
APN	`23-7661-27080`

Property Details

APN / Parcel Number

Primary APN	`23-7661-27080`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	696 sqft Gross Area
1st Floor Area	696 sqft
Utility Area	144 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 2000
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	140 ft deep x 25 ft wide
Pool Type	Pool with Hot Tub/Spa
Deck Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	430 5TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E12 OF LOT 8 BLOCK 27
Legal Subdivision	MINNESOTA IRON COMPANYS 01 A
Legal Block	27
Legal Lot Number	8
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4036
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	430 5TH AVE, TWO HARBORS, MN 55616-1422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage VETERANS UNITED HOME LOANS
Feb 10, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 19, 2019	Warranty Deed, Transfer
Feb 21, 2017	Deed of Trust, Mortgage TWO HARBORS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2023 · Amount on Record
Deed Sale	Jan 5, 2023 · Amount on Record
Prior Sale	Jul 19, 2019 · Amount on Record
Deed Document Number	20231506146
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jan 17, 2023
Property Address	430 5TH AVE, TWO HARBORS, MN 55616-1422
Document Number	A000201744
Instrument Date	Jan 9, 2023
Instrument	A000201744
Transaction Type	Transfer
Record Updated	Feb 8, 2023

Transaction

Amount	Amount Recorded
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
Address	430 5TH AVE, TWO HARBORS, MN 55616-1422

Mortgage

Document Number	A000201745
Date	Jan 17, 2023
Instrument	A000201745

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Feb 10, 2022
Property Address	430 5TH AVE, TWO HARBORS, MN 55616-1422
Document Number	A000199588
Instrument Date	Feb 2, 2022
Instrument	A000199588
Transaction Type	Transfer
Record Updated	Mar 2, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5290 MARBLE LAKE RD, TWO HARBORS, MN 55616-3027

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 19, 2019
Property Address	430 5TH AVE, TWO HARBORS, MN 55616-1422
Document Number	A000192220
Instrument Date	Jul 11, 2019
Instrument	A000192220
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
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
Address	5290 MARBLE LAKE RD, TWO HARBORS, MN 55616-3027

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	430 5TH AVE, TWO HARBORS, MN 55616-1422
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A000187047
Date	Feb 21, 2017
Instrument	A000187047

Lender

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

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Feb 10, 2022

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	$932.00 Homeowner's exemption	$178,500 (+8.51%) Land $13,500 Building $165,000	$178,500 (+8.51%) Land $13,500 Building $165,000
2023		$164,500 Land $9,400 Building $155,100	$164,500 Land $9,400 Building $155,100

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	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.

Nearby Properties on 5th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures