521 6th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 521 6th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 680 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (May 2021)
Tax Bill	$1,628 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Jul 2017 Sale & Mortgage
APN	`23-7661-36060`

Property Details

APN / Parcel Number

Primary APN	`23-7661-36060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	680 sqft Gross Area
1st Floor Area	680 sqft
Flooring	Vinyl/Resilient
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1990
Architectural Style	A-Frame
Exterior Material	Vinyl
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
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	144 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	521 6TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 36
Legal Subdivision	MINNESOTA IRON COMPANYS FIRST ADDITION
Legal Block	36
Legal Lot Number	6
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2008
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	521 6TH AVE, TWO HARBORS, MN 55616-1434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC
Jul 7, 2017	Warranty Deed, Transfer · ARM NORTH SHORE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Prior Sale	Jul 7, 2017 · Amount on Record
Deed Document Number	2021197476
Prior Transfer Date	Mar 27, 2012
Prior Transfer Doc	0000175938
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	May 27, 2021
Property Address	521 6TH AVE, TWO HARBORS, MN 55616-1434
Document Number	A000197476
Instrument Date	May 21, 2021
Instrument	A000197476
Transaction Type	Transfer
Record Updated	Aug 15, 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	521 6TH AVE, TWO HARBORS, MN 55616-1434

Mortgage

Document Number	A000197477
Date	May 27, 2021
Instrument	A000197477

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 7, 2017
Property Address	521 6TH AVE, TWO HARBORS, MN 55616-1434
Document Number	A000187886
Instrument Date	Jul 5, 2017
Instrument	A000187886
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NORTH SHORE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 6TH AVE, TWO HARBORS, MN 55616-1434

Mortgage

Document Number	A000187887
Date	Jul 7, 2017
Instrument	A000187887

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2022
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

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	$1,628.00 Homeowner's exemption	$245,400 (+23.25%) Land $27,000 Building $218,400	$245,400 (+23.25%) Land $27,000 Building $218,400
2023		$199,100 Land $18,800 Building $180,300	$199,100 Land $18,800 Building $180,300

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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