Lake County property record for 610 4th St, Two Harbors, MN 55616
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 864 sqft · built 2017 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,926 (2026) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| APN | 23-7600-06325 |
| Primary APN | 23-7600-06325 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 864 sqft Base Area |
| 1st Floor Area | 864 sqft |
| Flooring | Ceramic Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Raised Ranch |
| Exterior Material | Metal |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 27,443 sqft (0.63 acres) |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Street Address | 610 4TH ST |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1459 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | THAT PART OF GOVT LOT 1 DESC AS FOLLOWS |
| Legal Range | 10W |
| Legal Township | 52N |
| Legal Section | 06 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 4 |
| Census Block | 4036 |
| Census Tract | 370400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4498 UGSTAD RD, 233, HERMANTOWN, MN 55811-6601 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 610 4TH ST, TWO HARBORS, MN 55616-1459 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 000000189183 |
|---|---|
| Date | Jan 12, 2018 |
| Instrument | 000000189183 |
| Name | NORTH SHORE FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jan 1, 2023 |
Source: Lake County assessment roll, as of August 6, 2026
| 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 |
|---|---|---|---|
| 2026 | $4,926.00 (+76.18%) | $233,400 (+53.75%) Land $104,500 Building $128,900 | $233,400 (+53.75%) Land $104,500 Building $128,900 |
| 2025 | $2,796.00 | ||
| 2023 | $151,800 Land $48,900 Building $102,900 | $151,800 Land $48,900 Building $102,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 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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