514 5th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 514 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	$185,000 (Oct 2026)
Tax Bill	$526 (2026)
Deeds & Mortgages	Oct 2026 Sale Sep 2022 Sale & Mortgage + 2 more
APN	`23-7661-26045`

Property Details

APN / Parcel Number

Primary APN	`23-7661-26045`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	696 sqft Gross Area
1st Floor Area	696 sqft
Utility Area	70 sqft
Flooring	Vinyl/Resilient
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1975
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Wood
Roof Material	Other
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	140 ft deep x 25 ft wide
Garage Type	Mixed
Pool Type	Pool with Hot Tub/Spa
Deck Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	514 5TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E12 OF LOT 4 BLOCK 26
Legal Subdivision	MINNESOTA IRON COMPANYS FIRST ADDITION
Legal Block	26
Legal Lot Number	4
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2055
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	514 5TH AVE, TWO HARBORS, MN 55616-1424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed, Transfer
Sep 1, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BAY EQUITY LLC
May 31, 2022	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CREDIT UNION
May 9, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2026 · Amount on Record
Deed Sale	Oct 6, 2026 · Amount on Record
Prior Sale	Jun 21, 2013 · Amount on Record
Deed Document Number	20261928736
Prior Transfer Date	Sep 2, 2005
Prior Transfer Doc	0000177104
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Oct 6, 2026
Property Address	514 5TH AVE, TWO HARBORS, MN 55616-1424
Document Number	0001928736
Instrument Date	Oct 6, 2026
Instrument	20261928736
Transaction Type	Transfer
Record Updated	Oct 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 5TH AVE, TWO HARBORS, MN 55616-1424

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 1, 2022
Property Address	514 5TH AVE, TWO HARBORS, MN 55616-1424
Document Number	A000200981
Instrument Date	Aug 31, 2022
Instrument	A000200981
Transaction Type	Transfer
Record Updated	Sep 21, 2022

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	514 5TH AVE, TWO HARBORS, MN 55616-1424

Mortgage

Document Number	A000200982
Date	Sep 1, 2022
Instrument	A000200982

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	514 5TH AVE, TWO HARBORS, MN 55616-1424
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000200317
Date	May 31, 2022
Instrument	A000200317

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

Interest

Rate Type	Adjustable Rate

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	May 9, 2022
Property Address	514 5TH AVE, TWO HARBORS, MN 55616-1424
Document Number	A000200183
Instrument Date	May 5, 2022
Instrument	A000200183
Transaction Type	Transfer
Record Updated	May 31, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 5TH AVE, TWO HARBORS, MN 55616-1424

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	$526.00 Homeowner's exemption	$143,000 (+26.89%) Land $13,500 Building $129,500	$143,000 (+26.89%) Land $13,500 Building $129,500
2023		$112,700 Land $9,400 Building $103,300	$112,700 Land $9,400 Building $103,300

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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