516 5th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 516 5th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1898
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Aug 2022)
Tax Bill	$936 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2017 Sale & Mortgage
APN	`23-7661-26040`

Property Details

APN / Parcel Number

Primary APN	`23-7661-26040`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Stories	1 Story
Building Area	720 sqft Gross Area
1st Floor Area	720 sqft
Flooring	Vinyl/Resilient
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 2000
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Wood
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	140 ft deep x 25 ft wide
Garage Type	Carport
Carport	Carport
Pool Type	Pool with Hot Tub/Spa
Deck Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	516 5TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W12 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	516 5TH AVE, TWO HARBORS, MN 55616-1424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BAY EQUITY LLC
Sep 22, 2017	Warranty Deed, Transfer · Conventional Mortgage MARKETPLACE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	Sep 22, 2017 · Amount on Record
Deed Document Number	20221456863
Prior Transfer Date	Oct 24, 2008
Prior Transfer Doc	0000167946
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Aug 23, 2022
Property Address	516 5TH AVE, TWO HARBORS, MN 55616-1424
Document Number	A000200913
Instrument Date	Aug 19, 2022
Instrument	A000200913
Transaction Type	Transfer
Record Updated	Sep 14, 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
Address	516 5TH AVE, TWO HARBORS, MN 55616-1424

Mortgage

Document Number	A000200914
Date	Aug 23, 2022
Instrument	A000200914

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 22, 2017
Property Address	516 5TH AVE, TWO HARBORS, MN 55616-1424
Document Number	A000188398
Instrument Date	Sep 20, 2017
Instrument	A000188398
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$248.49
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	A000188399
Date	Sep 22, 2017
Instrument	A000188399

Lender

Name	MARKETPLACE HOME MORTGAGE LLC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$936.00 Homeowner's exemption	$180,600 (+18.89%) Land $13,500 Building $167,100	$180,600 (+18.89%) Land $13,500 Building $167,100
2023		$151,900 Land $9,400 Building $142,500	$151,900 Land $9,400 Building $142,500

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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