718 10th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 718 10th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.25 ba · 1,074 sqft · built 1912
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jun 2022)
Tax Bill	$2,474 (2026)
Deeds & Mortgages	Aug 2016 Mortgage May 2008 Mortgage + 3 more
APN	`23-7663-55050`

Property Details

APN / Parcel Number

Primary APN	`23-7663-55050`

Interior

Bedrooms	5 Beds
Full Baths	2.25 Baths
Stories	1 Story
Building Area	1,074 sqft Gross Area
1st Floor Area	1,074 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 2000
Architectural Style	Bungalow
Exterior Material	Wood
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	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	96 sqft
Deck Area	270 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	718 10TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLOCK 55
Legal Subdivision	MINNESOTA IRON COMPANYS 03 A
Legal Block	55
Legal Lot Number	5
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4010
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	2 Individual Names on Record
Mailing Address	718 10TH AVE, TWO HARBORS, MN 55616-1341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2016	Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FCU
May 20, 2008	Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FEDERAL CREDIT UNION
May 20, 2008	Deed of Trust, Mortgage · Line of Credit TWO HARBORSV FEDERAL CREDIT UNION
Sep 5, 2012	Deed of Trust, Mortgage · Line of Credit TWO HARBORS FEDERAL CREDIT UNION
Jul 5, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Deed Document Number	20221434466
Record Updated	Oct 29, 2026

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	718 10TH AVE, TWO HARBORS, MN 55616-1341
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000185761
Date	Aug 10, 2016
Instrument	A000185761

Lender

Name	TWO HARBORS FCU
Type	Credit Union
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Aug 1, 2028

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	718 10TH AVE, TWO HARBORS, MN 55616-1341
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000166724
Date	May 20, 2008
Instrument	A000166724

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	718 10TH AVE, TWO HARBORS, MN 55616-1341
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000166725
Date	May 20, 2008
Instrument	A000166725

Lender

Name	TWO HARBORSV FEDERAL CREDIT UNION
Address	TWO HARBORS, MN 55616

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 19, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	718 10TH AVE, TWO HARBORS, MN 55616-1341
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000176958
Date	Sep 5, 2012
Instrument	A000176958

Lender

Name	TWO HARBORS FEDERAL CREDIT UNION
Address	TWO HARBORS, MN 55616

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 4, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 5, 2022
Property Address	718 10TH AVE, TWO HARBORS, MN 55616-1341
Document Number	A000200592
Instrument Date	Jun 30, 2022
Instrument	A000200592
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	718 10TH AVE, TWO HARBORS, MN 55616-1341

Mortgage

Document Number	A000200593
Date	Jul 5, 2022
Instrument	A000200593

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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	$2,474.00 (+6.55%) Homeowner's exemption	$258,900 (-4.71%) Land $25,600 Building $233,300	$258,900 (-4.71%) Land $25,600 Building $233,300
2025	$2,322.00
2023		$271,700 Land $18,800 Building $252,900	$271,700 Land $18,800 Building $252,900

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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