Lake County property record for 728 11th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,190 sqft · built 1947 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,862 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance Jul 2019 Refinance |
| APN | 23-7663-60070 |
| Primary APN | 23-7663-60070 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,190 sqft Gross Area |
| 1st Floor Area | 1,190 sqft |
| Utility Area | 49 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 420 sqft |
| Carport | Carport |
| Carport Area | 420 sqft |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 728 11TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLOCK 60 |
| Legal Subdivision | MINNESOTA IRON COS ADD 03 |
| Legal Block | 60 |
| Legal Lot Number | 7 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 1 |
| Census Block | 1076 |
| Census Tract | 370400 |
728 11th Ave is owned and occupied by an individual.
Source: Lake County records, as of October 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 728 11TH AVE, TWO HARBORS, MN 55616-1352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Jul 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance TWO HARBORS FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 728 11TH AVE, TWO HARBORS, MN 55616-1352 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000198709 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | A000198709 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 728 11TH AVE, TWO HARBORS, MN 55616-1352 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2019 |
| Name | Verified Name |
|---|
| Document Number | A000192166 |
|---|---|
| Date | Jul 11, 2019 |
| Instrument | A000192166 |
| Name | TWO HARBORS FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2029 |
The 2026 property tax bill for 728 11th Ave was $1,862 with a homeowner's exemption, down 7% from the year before.
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,862.00 (-6.99%) Homeowner's exemption | $235,500 Land $25,600 Building $209,900 | $235,500 Land $25,600 Building $209,900 |
| 2025 | $2,002.00 | ||
| 2023 | $223,400 Land $18,800 Building $204,600 | $223,400 Land $18,800 Building $204,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 728 11th Ave.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 728 11th 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 350 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 | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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