432 7th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 432 7th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 876 sqft · built 1900
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Sep 2020)
Tax Bill	$2,294 (2026)
Deeds & Mortgages	Aug 2023 Sale Sep 2020 Sale & Mortgage
APN	`23-7661-37012`

Property Details

APN / Parcel Number

Primary APN	`23-7661-37012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	876 sqft Gross Area
1st Floor Area	876 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	75 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	18 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	432 7TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W12 OF LOT 1 BLOCK 37
Legal Block	37
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2000
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	2 Individual Names on Record
Mailing Address	1611 10TH AVE, TWO HARBORS, MN 55616-1141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Warranty Deed, Transfer
Sep 14, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage LAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	2020194955
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Aug 30, 2023
Property Address	432 7TH AVE, TWO HARBORS, MN 55616-1450
Document Number	A000202865
Instrument Date	Aug 23, 2023
Instrument	A000202865
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1611 10TH AVE, TWO HARBORS, MN 55616-1141

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 14, 2020
Property Address	432 7TH AVE, TWO HARBORS, MN 55616-1450
Document Number	A000194955
Instrument Date	Aug 30, 2020
Instrument	A000194955
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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	1611 10TH AVE, TWO HARBORS, MN 55616-1141

Mortgage

Document Number	A000194956
Date	Sep 14, 2020
Instrument	A000194956

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$2,294.00 Homeowner's exemption	$306,800 (+22.38%) Land $45,700 Building $261,100	$306,800 (+22.38%) Land $45,700 Building $261,100
2023		$250,700 Land $27,600 Building $223,100	$250,700 Land $27,600 Building $223,100

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	1 (1979)
Most Recent Claim	May 1979 · tidal / storm surge

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.

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