Lake County property record for 531 12th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft · built 1957 |
| Owner | Individual Name on Record |
| Tax Bill | $1,082 (2025) |
| Deeds & Mortgages | Mar 2025 Mortgage Dec 2025 Line of Credit + 1 more |
| APN | 23-7665-74090 |
| Primary APN | 23-7665-74090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,512 sqft Gross Area |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Open Porch |
| Porch Area | 35 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 531 12TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLOCK 74 |
| Legal Block | 74 |
| Legal Lot Number | 9 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 370400 |
Source: Lake County records, as of January 19, 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 | 531 12TH AVE, TWO HARBORS, MN 55616-1215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK |
| Dec 3, 2025 | Warranty Deed, Transfer · Line of Credit NORTH SHORE FEDERAL CREDIT UNION |
| Feb 7, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage TRUSTONE FINANCIAL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 3, 2025 |
| Deed Sale | Dec 3, 2025 |
| Prior Sale | Feb 7, 2023 · Amount on Record |
| Deed Document Number | A000207445 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 531 12TH AVE, TWO HARBORS, MN 55616-1215 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000205927 |
|---|---|
| Date | Mar 25, 2025 |
| Instrument | A000205927 |
| Name | PARK STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Dec 3, 2025 |
| Property Address | 531 12TH AVE, TWO HARBORS, MN 55616-1215 |
| Document Number | A000207445 |
| Instrument Date | Dec 2, 2025 |
| Instrument | A000207445 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 531 12TH AVE, TWO HARBORS, MN 55616-1215 |
| Document Number | A000207446 |
|---|---|
| Date | Dec 3, 2025 |
| Instrument | A000207446 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Feb 7, 2023 |
| Property Address | 531 12TH AVE, TWO HARBORS, MN 55616-1215 |
| Document Number | A000201831 |
| Instrument Date | Feb 3, 2023 |
| Instrument | A000201831 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 531 12TH AVE, TWO HARBORS, MN 55616-1215 |
| Document Number | A000201832 |
|---|---|
| Date | Feb 7, 2023 |
| Instrument | A000201832 |
| Name | TRUSTONE FINANCIAL FCU |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Lake County assessment roll, as of February 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,082.00 | $304,300 (-6.43%) Land $23,500 Building $280,800 | $304,300 (-6.43%) Land $23,500 Building $280,800 |
| 2023 | $325,200 Land $21,300 Building $303,900 | $325,200 Land $21,300 Building $303,900 |
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 |
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 |
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