728 2nd Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 728 2nd Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 924 sqft · built 1883
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$217,500 (May 2022)
Tax Bill	$2,502 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
APN	`23-7660-04070`

Property Details

APN / Parcel Number

Primary APN	`23-7660-04070`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Stories	2 Stories
Building Area	924 sqft Gross Area
1st Floor Area	924 sqft
Utility Area	96 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1883
Effective Year Built	Effective 1985
Architectural Style	Traditional
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Pool Type	Pool with Hot Tub/Spa
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	728 2ND AVE
City	TWO HARBORS
State	MN
Zip	55616-1514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLOCK 4
Legal Block	4
Legal Lot Number	7
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2061
Census Tract	370400

Owner

Source: Lake County records, as of August 6, 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 Record
Mailing Address	728 2ND AVE, TWO HARBORS, MN 55616-1514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Deed Document Number	20221418742
Record Updated	Sep 20, 2026

June 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	LAKE MN
Recording Date	Jun 1, 2022
Property Address	728 2ND AVE, TWO HARBORS, MN 55616-1514
Document Number	A000200327
Instrument Date	May 27, 2022
Instrument	A000200327
Transaction Type	Transfer
Record Updated	Jun 21, 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
Address	728 2ND AVE, TWO HARBORS, MN 55616-1514

Mortgage

Document Number	A000200328
Date	Jun 1, 2022
Instrument	A000200328

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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		$231,200 (+10.04%) Land $27,000 Building $204,200	$231,200 (+10.04%) Land $27,000 Building $204,200
2025	$2,502.00	$210,100 (+3.65%) Land $20,700 Building $189,400	$210,100 (+3.65%) Land $20,700 Building $189,400
2023		$202,700 Land $18,800 Building $183,900	$202,700 Land $18,800 Building $183,900

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	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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Frontier, T-Mobile.

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