712 9th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 712 9th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,233 sqft · built 1903
Owner	Individual Name on Record
Deeds & Mortgages	Jan 2021 Refinance Jan 2023 Refinance + 2 more
APN	`23-7662-46030`

Property Details

APN / Parcel Number

Primary APN	`23-7662-46030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,233 sqft Gross Area
Utility Area	320 sqft
Utility Room	Utility Room
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Construction Type	Wood

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Porch Area	96 sqft
Deck Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	712 9TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLOCK 46
Legal Block	46
Legal Lot Number	3
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4018
Census Tract	370400

Owner

Source: Lake County records, as of December 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
Mailing Address	712 9TH AVE, TWO HARBORS, MN 55616-1329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance VETERANS UNITED HOME LOANS
Jan 30, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PARK STATE BANK
Nov 13, 2023	Warranty Deed, Transfer TRADITION MORTGAGE LLC
Feb 1, 2019	Deed, Transfer · ARM VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2023
Deed Sale	Nov 13, 2023
Prior Sale	Feb 1, 2019 · Amount on Record
Deed Document Number	A000203280
Record Updated	Jun 7, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	712 9TH AVE, TWO HARBORS, MN 55616-1329
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000196308
Date	Jan 27, 2021
Instrument	A000196308

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	712 9TH AVE, TWO HARBORS, MN 55616-1329
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000201796
Date	Jan 30, 2023
Instrument	A000201796

Lender

Name	PARK STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	109 Months
Due	Feb 1, 2032

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Nov 13, 2023
Property Address	712 9TH AVE, TWO HARBORS, MN 55616-1329
Document Number	A000203280
Instrument Date	Nov 1, 2023
Instrument	A000203280
Transaction Type	Transfer
Record Updated	Dec 5, 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	712 9TH AVE, TWO HARBORS, MN 55616-1329

Mortgage

Document Number	A000203281
Date	Nov 13, 2023
Instrument	A000203281

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Feb 1, 2019
Property Address	712 9TH AVE, TWO HARBORS, MN 55616-1329
Document Number	A000191324
Instrument Date	Jan 18, 2019
Instrument	A000191324
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 9TH AVE, TWO HARBORS, MN 55616-1329

Mortgage

Document Number	A000191325
Date	Feb 1, 2019
Instrument	A000191325

Lender

Name	VETERANS UNITED HOME LOANS
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Apr 1, 2024
Index	Other

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	$237,000 Land $18,800 Building $218,200	$237,000 Land $18,800 Building $218,200

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.

Nearby Properties on 9th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures