728 4th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 728 4th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1888
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Sep 2021)
Tax Bill	$965 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Nov 2017 Sale & Mortgage
APN	`23-7660-14075`

Property Details

APN / Parcel Number

Primary APN	`23-7660-14075`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	672 sqft Gross Area
1st Floor Area	672 sqft
Utility Area	100 sqft
Flooring	Vinyl/Resilient
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1990
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Wood
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	140 ft deep x 25 ft wide
Garage Type	Mixed
Pool Type	Pool with Hot Tub/Spa
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	728 4TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W12 OF LOT 7 BLOCK 14
Legal Subdivision	ORIGINAL PLAT OF TWO HARBORS
Legal Block	14
Legal Lot Number	7
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2051
Census Tract	370400

Owner

728 4th Ave is owned and occupied by an individual who bought it in September 2021.

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 4TH AVE, TWO HARBORS, MN 55616-1414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE BANK
Nov 7, 2017	Warranty Deed, Transfer · Conventional Mortgage THE LAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2021 · Amount on File
Deed Sale	Sep 20, 2021 · Amount on File
Prior Sale	Nov 7, 2017 · Amount on File
Deed Document Number	2021198486
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 20, 2021
Property Address	728 4TH AVE, TWO HARBORS, MN 55616-1414
Document Number	A000198486
Instrument Date	Sep 17, 2021
Instrument	A000198486
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Amount	Amount on Record
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 4TH AVE, TWO HARBORS, MN 55616-1414

Mortgage

Document Number	A000198487
Date	Sep 20, 2021
Instrument	A000198487

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Nov 7, 2017
Property Address	728 4TH AVE, TWO HARBORS, MN 55616-1414
Document Number	A000188752
Instrument Date	Nov 6, 2017
Instrument	A000188752
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$323.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000188753
Date	Nov 7, 2017
Instrument	A000188753

Lender

Name	THE LAKE BANK
Type	Bank
Address	TWO HARBORS, MN 55616

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 728 4th Ave was $965 with a homeowner's exemption.

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	$965.00 Homeowner's exemption	$184,700 Land $13,500 Building $171,200	$184,700 Land $13,500 Building $171,200
2023		$138,900 Land $9,400 Building $129,500	$138,900 Land $9,400 Building $129,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 728 4th Ave; there have been 1 flood claim nearby since 1979.

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

Wildfire risk around 728 4th 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.

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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