632 1st Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 632 1st Ave, Two Harbors, MN 55616

Property Summary

Property Type	Garden / Court Apartments (5+ Units)
Details	2,300 sqft · built 1888
Lot Size	0.16 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$375,000 (Apr 2024)
Tax Bill	$5,630 (2026)
Deeds & Mortgages	May 2024 Mortgage Jun 2021 Sale & Mortgage
APN	`23-7660-03080`

Property Details

APN / Parcel Number

Primary APN	`23-7660-03080`

Interior

Stories	1 Story
Building Area	2,300 sqft Gross Area
1st Floor Area	4,556 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1888
Effective Year Built	Effective 2020
Architectural Style	Raised Ranch
Roof Type	Flat
Roof Material	Gravel
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Exterior Amenities

Deck Area	48 sqft
Balcony Area	60 sqft
Canopy	22 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Zoned

Location & Zoning

Street Address	632 1ST AVE
City	TWO HARBORS
State	MN
Zip	55616-1506
Property Category	Commercial
Property Type	Residential > Multi-Unit > Garden / Court Apartments (5+ Units)
Legal Description	LOT 8 BLOCK 3
Legal Subdivision	MINNESOTA IRON COMPANYS
Legal Block	3
Legal Lot Number	8
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2070
Census Tract	370400

Owner

632 1st Ave, a residential property, is owned by a company that bought it in April 2024.

Source: Lake County records, as of October 22, 2026

Owner of Record	Company Name on File
Mailing Address	808 E 2ND ST, DULUTH, MN 55805-3256
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST
Jun 21, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2024 · Amount on File
Deed Sale	Apr 30, 2024 · Amount on File
Prior Sale	Jun 21, 2021 · Amount on File
Deed Document Number	20241643517
Prior Transfer Date	Nov 4, 2008
Prior Transfer Doc	0000168033
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	632 1ST AVE, TWO HARBORS, MN 55616-1506
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000204051
Date	May 1, 2024
Instrument	A000204051

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 5, 2029

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jun 21, 2021
Property Address	632 1ST AVE, TWO HARBORS, MN 55616-1506
Document Number	A000197676
Instrument Date	Jun 17, 2021
Instrument	A000197676
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	5274 MARBLE LAKE RD, TWO HARBORS, MN 55616-3027

Mortgage

Document Number	A000197677
Date	Jun 21, 2021
Instrument	A000197677

Lender

Name	PARK NATIONAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 632 1st Ave was $5,630, up 37.2% from the year before.

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	$5,630.00 (+37.18%)	$302,200 (-10.7%) Land $73,400 Building $228,800	$302,200 (-10.7%) Land $73,400 Building $228,800
2025	$4,104.00	$338,400 Land $73,400 Building $265,000	$338,400 Land $73,400 Building $265,000
2023		$255,500 Land $31,000 Building $224,500	$255,500 Land $31,000 Building $224,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 632 1st Ave; there have been 1 flood claim nearby since 1979.

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

Wildfire risk around 632 1st Ave is low, with a 0.01% annual chance of 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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