631 9th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 631 9th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 784 sqft · built 1910
Owner	Individual Name on Record
Last Sale	$185,000 (Nov 2020)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2024 Mortgage + 4 more
APN	`23-7663-54090`

Property Details

APN / Parcel Number

Primary APN	`23-7663-54090`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	784 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Wood
Garage Type	Mixed
Garage Area	864 sqft
Carport	Carport
Carport Area	64 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Porch Area	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	631 9TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLOCK 54
Legal Block	54
Legal Lot Number	9
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4014
Census Tract	370400

Owner

Source: Lake County records, as of August 4, 2023

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
Co-owner	Co-owner on Record
Mailing Address	631 9TH AVE, TWO HARBORS, MN 55616-1326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Feb 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Sep 12, 2017	Deed of Trust, Mortgage · Construction Mortgage REPUBLIC BANK INC
Feb 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance REPUBLIC BANK
Nov 17, 2020	Deed, Transfer · Stand-Alone First Mortgage SUMMIT MORTGAGE
Sep 12, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2020 · Amount on Record
Deed Sale	Nov 19, 2020 · Amount on Record
Prior Sale	Sep 12, 2017 · Amount on Record
Deed Document Number	195629
Prior Transfer Date	Nov 17, 2020
Prior Transfer Doc	A000195629
Record Updated	Jun 7, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	631 9TH AVE, TWO HARBORS, MN 55616-1326
Transaction Type	Mortgage
Record Updated	Feb 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000203687
Date	Feb 7, 2024
Instrument	A000203687

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2034

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	631 9TH AVE, TWO HARBORS, MN 55616-1326
Transaction Type	Mortgage
Record Updated	Feb 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000203686
Date	Feb 7, 2024
Instrument	A000203686

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	631 9TH AVE, TWO HARBORS, MN 55616-1326
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000188300
Date	Sep 12, 2017
Instrument	A000188300

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2018

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	631 9TH AVE, TWO HARBORS, MN 55616-1326
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000191402
Date	Feb 25, 2019
Instrument	A000191402

Lender

Name	REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Nov 17, 2020
Property Address	631 9TH AVE, TWO HARBORS, MN 55616-1326
Document Number	A000195629
Instrument Date	Oct 20, 2020
Instrument	A000195629
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants
Address	9TH AVE, TWO HARBORS, MN

Mortgage

Document Number	A000195630
Date	Nov 17, 2020
Instrument	A000195630

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	A000195631
Date	Nov 17, 2020
Instrument	A000195631

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 12, 2017
Property Address	631 9TH AVE, TWO HARBORS, MN 55616-1326
Document Number	A000188299
Instrument Date	Sep 8, 2017
Instrument	A000188299
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Tax	$421.41
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Tax Assessment & Valuation

Source: Lake County assessment roll, as of February 1, 2023

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	Assessed Value	Assessed Market Value
2023	$215,400 Land $21,300 Building $194,100	$215,400 Land $21,300 Building $194,100

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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