502 10th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 502 10th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,094 sqft · built 1902
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jul 2020)
Tax Bill	$1,964 (2026)
Deeds & Mortgages	Jan 2022 Refinance Sep 2020 Sale + 1 more
APN	`23-7663-53010`

Property Details

APN / Parcel Number

Primary APN	`23-7663-53010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,094 sqft Gross Area
1st Floor Area	1,094 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Metal
Construction Type	Wood
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	16 sqft
Deck Area	320 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	502 10TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLOCK 53
Legal Subdivision	MINNESOTA IORN COMPANYS THIRD ADDITION
Legal Block	53
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4008
Census Tract	370400

Owner

502 10th Ave is owned and occupied by an individual who acquired it in September 2020.

Source: Lake County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	502 10TH AVE, TWO HARBORS, MN 55616-1337
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION
Sep 16, 2020	Deed, Transfer
Jul 20, 2020	Warranty Deed, Transfer · Stand-Alone Refinance NORTH SHORE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on File
Deed Sale	Jul 20, 2020 · Amount on File
Prior Sale	Aug 18, 2011 · Amount on File
Deed Document Number	2020194480
Last Transfer Date	Sep 1, 2020
Transfer Doc	0000194970
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	502 10TH AVE, TWO HARBORS, MN 55616-1337
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000199456
Date	Jan 24, 2022
Instrument	A000199456

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Sep 16, 2020
Property Address	502 10TH AVE, TWO HARBORS, MN 55616-1337
Document Number	A000194970
Instrument Date	Sep 1, 2020
Instrument	A000194970
Transaction Type	Transfer
Record Updated	Jun 7, 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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 20, 2020
Property Address	502 10TH AVE, TWO HARBORS, MN 55616-1337
Document Number	A000194480
Instrument Date	Jul 16, 2020
Instrument	A000194480
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount on Record
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
Address	502 10TH AVE, TWO HARBORS, MN 55616-1337

Mortgage

Document Number	A000194481
Date	Jul 20, 2020
Instrument	A000194481

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 502 10th Ave was $1,964 with a homeowner's exemption, up 23.4% from the year before.

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	$1,964.00 (+23.37%) Homeowner's exemption	$223,000 Land $29,000 Building $194,000	$223,000 Land $29,000 Building $194,000
2025	$1,592.00
2023		$212,100 Land $21,300 Building $190,800	$212,100 Land $21,300 Building $190,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 502 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

Wildfire risk around 502 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.

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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