611 5th St, Two Harbors, MN 55616 Property Records

Lake County property record for 611 5th St, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 844 sqft · built 1900
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$73,000 (Sep 2023)
Tax Bill	$1,456 (2026)
Deeds & Mortgages	Sep 2023 Sale Sep 2020 Refinance + 1 more
APN	`23-7661-36110`

Property Details

APN / Parcel Number

Primary APN	`23-7661-36110`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Stories	2 Stories
Building Area	776 sqft Gross Area
1st Floor Area	776 sqft
Utility Area	160 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1955
Architectural Style	Traditional
Exterior Material	Metal
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Other
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	70 ft deep x 100 ft wide
Garage Type	Mixed
Pool Type	Pool with Hot Tub/Spa
Deck Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	611 5TH ST
City	TWO HARBORS
State	MN
Zip	55616-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N12 OF LOTS 10 & 11 BLOCK 36
Legal Subdivision	MINNESOTA IRON COMPANYS FIRST ADDITION
Legal Block	36
Legal Lot Number	10-11
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2008
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	Individual Name on Record
Mailing Address	611 5TH ST, TWO HARBORS, MN 55616-1419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Warranty Deed, Transfer
Sep 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ROYAL UNITED MORTGAGE LLC
Dec 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2023 · Amount on Record
Deed Sale	Sep 15, 2023 · Amount on Record
Prior Sale	Jan 26, 2015 · Amount on Record
Deed Document Number	20231580903
Prior Transfer Date	Dec 19, 2006
Prior Transfer Doc	0000163438
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 18, 2023
Property Address	611 5TH ST, TWO HARBORS, MN 55616-1419
Document Number	A000202978
Instrument Date	Sep 15, 2023
Instrument	A000202978
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 5TH ST, TWO HARBORS, MN 55616-1419

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	611 5TH ST, TWO HARBORS, MN 55616-1419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000194854
Date	Sep 3, 2020
Instrument	A000194854

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	611 5TH ST, TWO HARBORS, MN 55616-1419
Transaction Type	Mortgage
Record Updated	Dec 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000193074
Date	Dec 3, 2019
Instrument	A000193074

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone Refinance
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	$1,456.00	$148,900 (+21.75%) Land $27,000 Building $121,900	$148,900 (+21.75%) Land $27,000 Building $121,900
2023		$122,300 Land $18,800 Building $103,500	$122,300 Land $18,800 Building $103,500

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	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 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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