601 1st Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 601 1st Ave, Two Harbors, MN 55616

Property Summary

Property Type	Garden / Court Apartments (5+ Units)
Details	3,216 sqft · built 1898
Lot Size	0.08 acres (3,500 sqft)
Owner	Company Name on Record
Last Sale	$723,500 (Mar 2026)
Tax Bill	$7,142 (2025)
Deeds & Mortgages	Dec 2020 Refinance Feb 2016 Mortgage + 2 more
APN	`23-7660-05160`

Property Details

APN / Parcel Number

Primary APN	`23-7660-05160`

Interior

Stories	1 Story
Building Area	3,216 sqft Gross Area
1st Floor Area	3,216 sqft
Flooring	Softwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 2000
Roof Type	Flat
Lot Area	3,500 sqft (0.08 acres)
Lot Dimensions	70 ft deep x 50 ft wide
Deck Area	128 sqft
Canopy	520 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Street Address	601 1ST AVE
City	TWO HARBORS
State	MN
Zip	55616-1568
Property Category	Commercial
Property Type	Residential > Multi-Unit > Garden / Court Apartments (5+ Units)
Legal Description	S 70FT OF LOT 16 BLOCK 5
Legal Subdivision	MINNESOTA IRON COMPANYS ORIGINAL PLAT
Legal Block	5
Legal Lot Number	16
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2069
Census Tract	370400

Owner

Source: Lake County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	808 E 2ND ST, 1, DULUTH, MN 55805-3258
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FRANDSEN B&T
Feb 16, 2016	Deed of Trust, Mortgage · Commercial Mortgage NATIONAL BANK OF COMMERCE
Mar 3, 2026	Warranty Deed, Transfer · Non-Conforming Investor Loan FRANDSEN BANK & TRUST
Mar 28, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2026 · Amount on Record
Deed Sale	Mar 2, 2026 · Amount on Record
Prior Sale	Jun 30, 2005 · Amount on Record
Deed Document Number	20261852812
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	601 1ST AVE, TWO HARBORS, MN 55616-1568
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000195888
Date	Dec 10, 2020
Instrument	A000195888

Lender

Name	FRANDSEN B&T

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Jan 1, 2026

February 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	601 1ST AVE, TWO HARBORS, MN 55616-1568
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000184627
Date	Feb 16, 2016
Instrument	A000184627

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Mar 3, 2026
Property Address	601 1ST AVE, TWO HARBORS, MN 55616-1568
Document Number	A000207923
Instrument Date	Feb 27, 2026
Instrument	A000207923
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIRST AMERICAN TITLE

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 E 2ND ST, DULUTH, MN 55805-3256

Mortgage

Document Number	A000207924
Date	Mar 3, 2026
Instrument	A000207924

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	60 Months
Due	Mar 5, 2031

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Mar 28, 2022
Property Address	601 1ST AVE, TWO HARBORS, MN 55616-1568
Document Number	A000199853
Instrument Date	Mar 16, 2022
Instrument	A000199853
Transaction Type	Transfer
Record Updated	Apr 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5518 RICE LAKE RD, DULUTH, MN 55803-8431

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 25, 2025

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
2025	$7,142.00	$341,000 (+12.43%) Land $42,000 Building $299,000	$341,000 (+12.43%) Land $42,000 Building $299,000
2023		$303,300 Land $14,100 Building $289,200	$303,300 Land $14,100 Building $289,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	1 (1979)
Most Recent Claim	May 1979 · tidal / storm surge

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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Frontier, T-Mobile.

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