724 7th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 724 7th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 856 sqft · built 1903
Owner	Individual Name on Record
Last Sale	$142,500 (Jan 2022)
Deeds & Mortgages	May 2023 Mortgage Jan 2022 Sale & Mortgage + 2 more
APN	`23-7661-34030`

Property Details

APN / Parcel Number

Primary APN	`23-7661-34030`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	856 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Construction Type	Wood

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Porch Area	60 sqft
Deck Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	724 7TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 50FT OF LOT 3 BLOCK 34
Legal Block	34
Legal Lot Number	3
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2003
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	724 7TH AVE, TWO HARBORS, MN 55616-1456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK
Jan 10, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage PARK STATE BANK
Aug 29, 2018	Warranty Deed, Transfer NORTH SHORE FEDERAL CREDIT UNION
Aug 8, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Prior Sale	Aug 29, 2018 · Amount on Record
Deed Document Number	199329
Prior Transfer Date	Jan 10, 2022
Prior Transfer Doc	A000199329
Record Updated	Jun 7, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	724 7TH AVE, TWO HARBORS, MN 55616-1456
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000202267
Date	May 15, 2023
Instrument	A000202267

Lender

Name	PARK STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jan 10, 2022
Property Address	724 7TH AVE, TWO HARBORS, MN 55616-1456
Document Number	A000199329
Instrument Date	Dec 31, 2021
Instrument	A000199329
Transaction Type	Transfer
Record Updated	Feb 2, 2022

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	724 7TH AVE, TWO HARBORS, MN 55616-1456

Mortgage

Document Number	A000199330
Date	Jan 10, 2022
Instrument	A000199330

Lender

Name	PARK STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.96%
Type Change Date	Jan 1, 2027
Max Rate At Change	2.8%
Index	5-Year CMT

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Aug 29, 2018
Property Address	724 7TH AVE, TWO HARBORS, MN 55616-1456
Document Number	A000190441
Instrument Date	Aug 21, 2018
Instrument	A000190441
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
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 STANLEY RD, TWO HARBORS, MN 55616-1478

Mortgage

Document Number	A000190442
Date	Aug 29, 2018
Instrument	A000190442

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Aug 8, 2018
Property Address	724 7TH AVE, TWO HARBORS, MN 55616-1456
Document Number	A000190290
Instrument Date	Aug 6, 2018
Instrument	A000190290
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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	1242 OLD CROSSING TRL NE, BEMIDJI, MN 56601-8088

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	$149,100 Land $17,800 Building $131,300	$149,100 Land $17,800 Building $131,300

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	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

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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