522 5th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 522 5th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 814 sqft · built 1893
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$131,000 (Mar 2019)
Tax Bill	$878 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Mar 2019 Sale & Mortgage + 2 more
APN	`23-7661-26060`

Property Details

APN / Parcel Number

Primary APN	`23-7661-26060`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	814 sqft Gross Area
1st Floor Area	814 sqft
Basement Area	169 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Metal
Construction Type	Wood
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	522 5TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 26
Legal Subdivision	MINNESOTA IRON COMPANYS FIRST ADDITION
Legal Block	26
Legal Lot Number	6
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	2 Individual Names on Record
Mailing Address	522 5TH AVE, TWO HARBORS, MN 55616-1424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage LAKE BANK
Mar 11, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage LAKE BANK
Nov 7, 2017	Special Warranty Deed, Transfer
Aug 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2019 · Amount on Record
Deed Sale	Mar 11, 2019 · Amount on Record
Prior Sale	Nov 7, 2017 · Amount on Record
Deed Document Number	2019191469
Prior Transfer Date	Jun 5, 2017
Prior Transfer Doc	0000188137
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	522 5TH AVE, TWO HARBORS, MN 55616-1424
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000191471
Date	Mar 11, 2019
Instrument	A000191471

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	97 Months
Due	Apr 1, 2027

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Mar 11, 2019
Property Address	522 5TH AVE, TWO HARBORS, MN 55616-1424
Document Number	A000191469
Instrument Date	Mar 8, 2019
Instrument	A000191469
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	522 5TH AVE, TWO HARBORS, MN 55616-1424

Mortgage

Document Number	A000191470
Date	Mar 11, 2019
Instrument	A000191470

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Nov 7, 2017
Property Address	522 5TH AVE, TWO HARBORS, MN 55616-1424
Document Number	A000188754
Instrument Date	Oct 10, 2017
Instrument	A000188754
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 WESTCHESTER AVE, 333, WHITE PLAINS, NY 10604-2910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 5TH AVE, TWO HARBORS, MN 55616-1424

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Aug 16, 2017
Property Address	522 5TH AVE, TWO HARBORS, MN 55616-1424
Document Number	A000188137
Instrument Date	Jun 5, 2017
Instrument	A000188137
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
Investor	Possibly a Property Investor

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	$878.00 (-7.58%) Homeowner's exemption	$177,100 (+16.74%) Land $27,000 Building $150,100	$177,100 (+16.74%) Land $27,000 Building $150,100
2025	$950.00
2023		$151,700 Land $18,800 Building $132,900	$151,700 Land $18,800 Building $132,900

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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