Lake County property record for 515 13th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,144 sqft · built 1953 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $287,500 (Sep 2021) |
| Tax Bill | $2,706 (2026) |
| Deeds & Mortgages | Apr 2018 Mortgage Sep 2021 Sale & Mortgage |
| APN | 23-7666-76090 |
| Primary APN | 23-7666-76090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,144 sqft Gross Area |
| 1st Floor Area | 1,144 sqft |
| Utility Area | 336 sqft |
| Flooring | Brick |
| Interior Walls | Brick |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 135 ft deep x 72 ft wide |
| Garage Area | 1,120 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 322 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 515 13TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLOCK 76 |
| Legal Subdivision | 6TH ADDITION |
| Legal Block | 76 |
| Legal Lot Number | 9 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 1 |
| Census Block | 1047 |
| 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 | 515 13TH AVE, TWO HARBORS, MN 55616-1225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2018 | Deed of Trust, Mortgage LAKE BANK |
| Sep 8, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage NEW AMERICAN FUNDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2021 · Amount on Record |
| Deed Sale | Sep 8, 2021 · Amount on Record |
| Prior Sale | Jun 2, 2016 · Amount on Record |
| Deed Document Number | 2021198380 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 515 13TH AVE, TWO HARBORS, MN 55616-1225 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Name | Verified Name |
|---|
| Document Number | A000189625 |
|---|---|
| Date | Apr 10, 2018 |
| Instrument | A000189625 |
| Name | LAKE BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 357 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 8, 2021 |
| Property Address | 515 13TH AVE, TWO HARBORS, MN 55616-1225 |
| Document Number | A000198380 |
| Instrument Date | Sep 3, 2021 |
| Instrument | A000198380 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2024 |
| 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 | 515 13TH AVE, TWO HARBORS, MN 55616-1225 |
| Document Number | A000198381 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | A000198381 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $2,706.00 Homeowner's exemption | $322,000 (+3.24%) Land $37,400 Building $284,600 | $322,000 (+3.24%) Land $37,400 Building $284,600 |
| 2023 | $311,900 Land $26,100 Building $285,800 | $311,900 Land $26,100 Building $285,800 |
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 350 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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