Lake County property record for 712 8th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 662 sqft · built 1905 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $198,000 (Mar 2026) |
| Tax Bill | $992 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Jan 2005 Line of Credit + 4 more |
| APN | 23-7662-41030 |
| Primary APN | 23-7662-41030 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 1 Story |
| Building Area | 662 sqft Gross Area |
| 1st Floor Area | 662 sqft |
| Utility Area | 288 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Other |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Slab |
| Porch Area | 208 sqft |
| Deck Area | 25 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 712 8TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLOCK 41 |
| Legal Block | 41 |
| Legal Lot Number | 3 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 370400 |
Source: Lake County records · APN 23-7662-41030
Assessment roll updated August 6, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FCU |
| Jan 26, 2005 | Deed of Trust, Mortgage · Line of Credit TWO HARBORS FCU |
| Mar 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE |
| Apr 14, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 01, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Feb 25, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 27, 2026 · Amount on Record |
| Deed Sale | Mar 27, 2026 · Amount on Record |
| Deed Document Number | 20261858701 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000203428 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | A000203428 |
| Name | TWO HARBORS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000156934 |
|---|---|
| Date | Jan 26, 2005 |
| Instrument | A000156934 |
| Name | TWO HARBORS FCU |
|---|---|
| Type | Credit Union |
| Address | TWO HARBORS, MN 55616 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 25, 2015 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Mar 30, 2026 |
| Property Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Document Number | A000208080 |
| Instrument Date | Mar 26, 2026 |
| Instrument | A000208080 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Document Number | A000208081 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | A000208081 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Apr 14, 2022 |
| Property Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Document Number | A000200008 |
| Instrument Date | Apr 14, 2022 |
| Instrument | A000200008 |
| Transaction Type | Transfer |
| Record Updated | May 04, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Apr 01, 2022 |
| Property Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Document Number | A000199908 |
| Instrument Date | Feb 15, 2022 |
| Instrument | A000199908 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Feb 25, 2022 |
| Property Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
| Document Number | A000199672 |
| Instrument Date | Jul 09, 2009 |
| Instrument | A000199672 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 712 8TH AVE, TWO HARBORS, MN 55616-1312 |
Source: Lake County records · Assessment roll updated August 6, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $159,100 (-11.02%) Land $25,600 Building $133,500 | $159,100 (-11.02%) Land $25,600 Building $133,500 | |
| 2025 | $992.00 | $178,800 (+9.83%) Land $21,800 Building $157,000 | $178,800 (+9.83%) Land $21,800 Building $157,000 |
| 2023 | $162,800 Land $18,800 Building $144,000 | $162,800 Land $18,800 Building $144,000 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Zito West Holding Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 538 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Two Harbors serves 3,698 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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