525 7th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 525 7th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,199 sqft · built 1954
Owner	Individual Name on Record
Last Sale	$224,031 (May 2022)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2020 Sale & Mortgage
APN	`23-7662-39100`

Property Details

APN / Parcel Number

Primary APN	`23-7662-39100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,199 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	24 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	525 7TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLOCK 39
Legal Block	39
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4033
Census Tract	370400

Owner

Source: Lake County records, as of August 4, 2023

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
Co-owner	Co-owner on Record
Mailing Address	525 7TH AVE, TWO HARBORS, MN 55616-1451
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage DEERWOOD BANK
Jul 16, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2022 · Amount on Record
Deed Sale	May 9, 2022 · Amount on Record
Prior Sale	Jul 16, 2020 · Amount on Record
Deed Document Number	200164
Prior Transfer Date	May 6, 2022
Prior Transfer Doc	A000200164
Record Updated	Jun 7, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	May 6, 2022
Property Address	525 7TH AVE, TWO HARBORS, MN 55616-1451
Document Number	A000200164
Instrument Date	May 5, 2022
Instrument	A000200164
Transaction Type	Transfer
Record Updated	May 25, 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
Relationship	Joint Tenants
Address	525 7TH AVE, TWO HARBORS, MN 55616-1451

Mortgage

Document Number	A000200165
Date	May 6, 2022
Instrument	A000200165

Lender

Name	DEERWOOD BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 16, 2020
Property Address	525 7TH AVE, TWO HARBORS, MN 55616-1451
Document Number	A000194456
Instrument Date	Jul 2, 2020
Instrument	A000194456
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	525 7TH AVE, TWO HARBORS, MN 55616-1451

Mortgage

Document Number	A000194457
Date	Jul 16, 2020
Instrument	A000194457

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

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

Tax Assessment & Valuation

Source: Lake County assessment roll, as of February 1, 2023

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	Assessed Value	Assessed Market Value
2023	$240,200 Land $31,900 Building $208,300	$240,200 Land $31,900 Building $208,300

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	4 (2012–2019)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2019 · river or lake flooding

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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