517 4th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 517 4th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 935 sqft · built 1907
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$245,000 (Jun 2023)
Tax Bill	$2,590 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2023 Mortgage + 5 more
APN	`23-7660-19120`

Property Details

APN / Parcel Number

Primary APN	`23-7660-19120`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Stories	1 Story
Building Area	935 sqft Gross Area
1st Floor Area	935 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 2005
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Wood
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Pool Type	Pool with Hot Tub/Spa
Deck Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	517 4TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLOCK 19
Legal Subdivision	MINNESOTA IRON COMPANYS
Legal Block	19
Legal Lot Number	12
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2056
Census Tract	370400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	80 HOLTZ DR, BUFFALO, NY 14225-1425
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT
Jun 30, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 10, 2022	Warranty Deed, Transfer
Jul 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY EQUITY LLC
Jun 5, 2020	Quit Claim Deed, Transfer Quitclaim
Oct 10, 2018	Warranty Deed, Transfer NORTH SHORE FEDERAL CREDIT UNION
Jun 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	Oct 10, 2018 · Amount on Record
Deed Document Number	20231551660
Prior Transfer Date	Jun 4, 2020
Prior Transfer Doc	0000194136
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	517 4TH AVE, TWO HARBORS, MN 55616-1409
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000203937
Date	Apr 8, 2024
Instrument	A000203937

Lender

Name	SECRETARY OF HOUSING URBAN & DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jun 30, 2023
Property Address	517 4TH AVE, TWO HARBORS, MN 55616-1409
Document Number	A000202547
Instrument Date	Jun 28, 2023
Instrument	A000202547
Transaction Type	Transfer
Record Updated	Jul 25, 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
Address	517 4TH AVE, TWO HARBORS, MN 55616-1409
Investor	Possibly a Property Investor

Mortgage

Document Number	A000202548
Date	Jun 30, 2023
Instrument	A000202548

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jun 10, 2022
Property Address	517 4TH AVE, TWO HARBORS, MN 55616-1409
Document Number	A000200408
Instrument Date	May 26, 2022
Instrument	A000200408
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	517 4TH AVE, TWO HARBORS, MN 55616-1409

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	517 4TH AVE, TWO HARBORS, MN 55616-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000194381
Date	Jul 8, 2020
Instrument	A000194381

Lender

Name	BAY EQUITY LLC

Agreement

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

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Jun 5, 2020
Property Address	517 4TH AVE, TWO HARBORS, MN 55616-1409
Document Number	A000194136
Instrument Date	Jun 4, 2020
Instrument	A000194136
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 4TH AVE, TWO HARBORS, MN 55616-1409

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Oct 10, 2018
Property Address	517 4TH AVE, TWO HARBORS, MN 55616-1409
Document Number	A000190714
Instrument Date	Oct 1, 2018
Instrument	A000190714
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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	517 4TH AVE, TWO HARBORS, MN 55616-1409

Mortgage

Document Number	A000190715
Date	Oct 10, 2018
Instrument	A000190715

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	517 4TH AVE, TWO HARBORS, MN 55616-1409
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A000187375
Date	Jun 24, 2017
Instrument	A000187375

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 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	$2,590.00 (-13.78%)	$259,800 (+8.16%) Land $27,000 Building $232,800	$259,800 (+8.16%) Land $27,000 Building $232,800
2025	$3,004.00	$240,200 (+11.36%) Land $20,700 Building $219,500	$240,200 (+11.36%) Land $20,700 Building $219,500
2023		$215,700 (+13.83%) Land $18,800 Building $196,900	$215,700 (+13.83%) Land $18,800 Building $196,900
2022		$189,500 Land $16,400 Building $173,100	$189,500 Land $16,400 Building $173,100

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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