Lake County property record for 515 7th St, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,764 sqft · built 1940 |
| Owner | Individual Name on File |
| Last Sale | $162,500 (Jun 2020) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2021 Refinance + 1 more |
| APN | 23-7661-31162 |
| Primary APN | 23-7661-31162 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,764 sqft Gross Area |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Garage Type | Mixed |
| Garage Area | 1,368 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 55 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 515 7TH ST |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N12 OF LOT 15 BLOCK 31 + N12 OF LOT 16 |
| Legal Block | 31 |
| Legal Lot Number | 15-16 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 370400 |
Source: Lake County records · APN 23-7661-31162
Assessment roll updated February 1, 2023 · Last verified August 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 501 5TH AVE, TWO HARBORS, MN 55616-1423 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Line of Credit PARK STATE BANK |
| May 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK |
| Jun 10, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage LAKE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 11, 2020 · Amount on Record |
| Deed Sale | Jun 11, 2020 · Amount on Record |
| Deed Document Number | 194170 |
| Prior Transfer Date | Jun 10, 2020 |
| Prior Transfer Doc | A000194170 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 515 7TH ST, TWO HARBORS, MN 55616-1443 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000208018 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | A000208018 |
| Name | PARK STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Feb 13, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 515 7TH ST, TWO HARBORS, MN 55616-1443 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000197336 |
|---|---|
| Date | May 13, 2021 |
| Instrument | A000197336 |
| Name | LAKE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Jun 10, 2020 |
| Property Address | 515 7TH ST, TWO HARBORS, MN 55616-1443 |
| Document Number | A000194170 |
| Instrument Date | Jun 08, 2020 |
| Instrument | A000194170 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 7TH ST, TWO HARBORS, MN 55616-1443 |
| Document Number | A000194171 |
|---|---|
| Date | Jun 10, 2020 |
| Instrument | A000194171 |
| Name | LAKE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
Source: Lake County records · Assessment roll updated February 1, 2023 · Last verified August 2023
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $253,900 Land $18,300 Building $235,600 | $253,900 Land $18,300 Building $235,600 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Zito West Holding Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 538 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Two Harbors serves 3,698 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures