532 8th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 532 8th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 859 sqft · built 1906
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Oct 2019)
Tax Bill	$2,812 (2026)
Deeds & Mortgages	Feb 2021 Refinance Oct 2019 Sale & Construction Loan
APN	`23-7662-39080`

Property Details

APN / Parcel Number

Primary APN	`23-7662-39080`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Stories	2 Stories
Building Area	892 sqft Gross Area
1st Floor Area	892 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1985
Architectural Style	Traditional
Exterior Material	Vinyl
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	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	20 sqft
Deck Area	55 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	532 8TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLOCK 39
Legal Block	39
Legal Lot Number	8
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4026
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	502 8TH AVE, TWO HARBORS, MN 55616-1308
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK
Oct 8, 2019	Warranty Deed, Transfer · Construction Mortgage LAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2019 · Amount on Record
Deed Sale	Oct 8, 2019 · Amount on Record
Deed Document Number	2019192755
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	532 8TH AVE, TWO HARBORS, MN 55616-1308
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000196528
Date	Feb 22, 2021
Instrument	A000196528

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Oct 8, 2019
Property Address	532 8TH AVE, TWO HARBORS, MN 55616-1308
Document Number	A000192755
Instrument Date	Sep 30, 2019
Instrument	A000192755
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
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	532 8TH AVE, TWO HARBORS, MN 55616-1308

Mortgage

Document Number	A000192756
Date	Oct 8, 2019
Instrument	A000192756

Lender

Name	LAKE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$2,812.00	$189,200 (+6.83%) Land $29,000 Building $160,200	$189,200 (+6.83%) Land $29,000 Building $160,200
2023		$177,100 Land $21,300 Building $155,800	$177,100 Land $21,300 Building $155,800

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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