Lake County property record for 524 14th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,184 sqft · built 1952 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $278,000 (Feb 2026) |
| Tax Bill | $2,162 (2026) |
| Deeds & Mortgages | Oct 2018 Mortgage Jul 2020 Refinance + 5 more |
| APN | 23-7666-76040 |
| Primary APN | 23-7666-76040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,184 sqft Gross Area |
| 1st Floor Area | 1,184 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Vinyl Panel/Coating |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 135 ft deep x 72 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | Deck Area |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 524 14TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLOCK 76 |
| Legal Subdivision | SIXTH ADDITION TO TWO HARBORS |
| Legal Block | 76 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 370400 |
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 | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2018 | Deed of Trust, Mortgage HARBOR POINTE CU |
| Jul 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBOR POINTE CREDIT UNION |
| Oct 12, 2018 | Deed of Trust, Mortgage HARBOR POINTE CU |
| Sep 9, 2008 | Deed of Trust, Mortgage ARROWHEAD ECONOMIC OPPORTUNITY AGENCY IN |
| Jan 4, 2008 | Deed of Trust, Mortgage · VA Mortgage DIRECT MORTGAGE CORP |
| May 5, 2009 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE INVESTORS CORP |
| Mar 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Prior Sale | May 8, 2014 · Amount on Record |
| Deed Document Number | 20261852000 |
| Prior Transfer Date | Jan 9, 2013 |
| Prior Transfer Doc | 0000177872 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000190738 |
|---|---|
| Date | Oct 12, 2018 |
| Instrument | A000190738 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 111 Months |
| Due | Jan 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000194492 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | A000194492 |
| Name | HARBOR POINTE CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Aug 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000190739 |
|---|---|
| Date | Oct 12, 2018 |
| Instrument | A000190739 |
| Name | HARBOR POINTE CU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000167588 |
|---|---|
| Date | Sep 9, 2008 |
| Instrument | A000167588 |
| Name | ARROWHEAD ECONOMIC OPPORTUNITY AGENCY IN |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 239 Months |
| Due | Aug 22, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000165860 |
|---|---|
| Date | Jan 4, 2008 |
| Instrument | A000165860 |
| Name | DIRECT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MIDVALE, UT 84047 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | TRANSCONTINENTAL TITLE COMPANY, TRANSCONTINENTAL TITLE CO |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000169052 |
|---|---|
| Date | May 5, 2009 |
| Instrument | A000169052 |
| Name | MORTGAGE INVESTORS CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT PETERSBURG, FL 33707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Mar 3, 2026 |
| Property Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Document Number | A000207913 |
| Instrument Date | Feb 25, 2026 |
| Instrument | A000207913 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | BURNETT TITLE, BURNE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 524 14TH AVE, TWO HARBORS, MN 55616-1232 |
| Document Number | A000207914 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | A000207914 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Feb 27, 2046 |
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,162.00 Homeowner's exemption | $273,500 (+1.52%) Land $33,600 Building $239,900 | $273,500 (+1.52%) Land $33,600 Building $239,900 |
| 2025 | $269,400 (+1.51%) Land $25,900 Building $243,500 | $269,400 (+1.51%) Land $25,900 Building $243,500 | |
| 2023 | $265,400 Land $23,500 Building $241,900 | $265,400 Land $23,500 Building $241,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 350 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 | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures