Lake County property record for 431 12th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,024 sqft · built 1925 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,500 (Apr 2018) |
| Tax Bill | $1,304 (2026) |
| Deeds & Mortgages | May 2021 Refinance Apr 2018 Sale & Mortgage |
| APN | 23-7665-75090 |
| Primary APN | 23-7665-75090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,024 sqft Gross Area |
| 1st Floor Area | 1,024 sqft |
| Flooring | Wood |
| Interior Walls | Metal |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 488 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 15 sqft |
| Deck Area | 15 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 431 12TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLOCK 75 |
| Legal Subdivision | MINNESOTA IRON COMANYS FIFTH ADDITION |
| Legal Block | 75 |
| Legal Lot Number | 9 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 370400 |
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 | 431 12TH AVE, TWO HARBORS, MN 55616-1213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK |
| Apr 23, 2018 | Warranty Deed, Transfer LAKE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2018 · Amount on Record |
| Deed Sale | Apr 23, 2018 · Amount on Record |
| Prior Sale | Sep 29, 2009 · Amount on Record |
| Deed Document Number | 2018189678 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 431 12TH AVE, TWO HARBORS, MN 55616-1213 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000197372 |
|---|---|
| Date | May 18, 2021 |
| Instrument | A000197372 |
| Name | LAKE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Apr 23, 2018 |
| Property Address | 431 12TH AVE, TWO HARBORS, MN 55616-1213 |
| Document Number | A000189678 |
| Instrument Date | Apr 19, 2018 |
| Instrument | A000189678 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 12TH AVE, TWO HARBORS, MN 55616-1213 |
| Document Number | A000189679 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | A000189679 |
| Name | LAKE BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 357 Months |
| Due | Jan 1, 2048 |
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 | $1,304.00 Homeowner's exemption | $208,500 (+9.79%) Land $30,500 Building $178,000 | $208,500 (+9.79%) Land $30,500 Building $178,000 |
| 2023 | $189,900 Land $21,300 Building $168,600 | $189,900 Land $21,300 Building $168,600 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 33 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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