Lake County property record for 528 5th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 788 sqft · built 1898 |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Sep 2021) |
| Deeds & Mortgages | Jan 2006 Mortgage Dec 2010 Mortgage + 2 more |
| APN | 23-7661-26070 |
| Primary APN | 23-7661-26070 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 788 sqft Gross Area |
| Utility Area | 324 sqft |
| Utility Room | Utility Room |
| Fireplace | Fireplace |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Metal |
| Construction Type | Wood |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 48 sqft |
| Pool Type | Pool with Hot Tub/Spa |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 528 5TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLOCK 26 |
| Legal Block | 26 |
| Legal Lot Number | 7 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 370400 |
Source: Lake County assessment roll, APN 23-7661-26070, as of February 1, 2023 · Last verified August 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 528 5TH AVE, TWO HARBORS, MN 55616-1424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2006 | Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FCU |
| Dec 10, 2010 | Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FEDERAL CREDIT UNION |
| Sep 28, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Sep 25, 2020 | Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2021 · Amount on Record |
| Deed Sale | Sep 29, 2021 · Amount on Record |
| Prior Sale | Sep 25, 2020 · Amount on Record |
| Deed Document Number | 198569 |
| Prior Transfer Date | Sep 28, 2021 |
| Prior Transfer Doc | A000198569 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 528 5TH AVE, TWO HARBORS, MN 55616-1424 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000160276 |
|---|---|
| Date | Jan 18, 2006 |
| Instrument | A000160276 |
| Name | TWO HARBORS FCU |
|---|---|
| Type | Credit Union |
| Address | TWO HARBORS, MN 55616 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 528 5TH AVE, TWO HARBORS, MN 55616-1424 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000173075 |
|---|---|
| Date | Dec 10, 2010 |
| Instrument | A000173075 |
| Name | TWO HARBORS FEDERAL CREDIT UNION |
|---|---|
| Address | TWO HARBORS, MN 55616 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Dec 01, 2013 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 28, 2021 |
| Property Address | 528 5TH AVE, TWO HARBORS, MN 55616-1424 |
| Document Number | A000198569 |
| Instrument Date | Sep 23, 2021 |
| Instrument | A000198569 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 528 5TH AVE, TWO HARBORS, MN 55616-1424 |
| Document Number | A000198570 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | A000198570 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 25, 2020 |
| Property Address | 528 5TH AVE, TWO HARBORS, MN 55616-1424 |
| Document Number | A000195068 |
| Instrument Date | Sep 21, 2020 |
| Instrument | A000195068 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 313 3RD AVE, TWO HARBORS, MN 55616-1626 |
Source: Lake County assessment roll as of February 1, 2023 · Last verified August 2023
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $118,300 Land $18,800 Building $99,500 | $118,300 Land $18,800 Building $99,500 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270753704002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection, 538 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Zito West Holding Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile USA.
Source: EPA Safe Drinking Water Information System, water system MN1380005, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Two Harbors serves 3,698 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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