Lake County property record for 807 12th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,048 sqft · built 1955 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Mar 2021) |
| Tax Bill | $1,920 (2026) |
| Deeds & Mortgages | Apr 2024 Reverse Mortgage Oct 2022 Mortgage + 2 more |
| APN | 23-7665-71150 |
| Primary APN | 23-7665-71150 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Stories | 1 Story |
| Building Area | 1,048 sqft Gross Area |
| 1st Floor Area | 1,048 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| 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 | Mixed |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 56 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Street Address | 807 12TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 BLOCK 71 |
| Legal Subdivision | MINNESOTA IRON COMPANYS 5TH |
| Legal Block | 71 |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 370400 |
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 | 807 12TH AVE, TWO HARBORS, MN 55616-1221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2024 | Deed of Trust, Mortgage · Reverse Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT |
| Oct 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 2, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage NEW AMERICAN FUNDING |
| Apr 23, 2020 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2021 · Amount on Record |
| Deed Sale | Mar 2, 2021 · Amount on Record |
| Prior Sale | Apr 23, 2020 · Amount on Record |
| Deed Document Number | 2021196614 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 807 12TH AVE, TWO HARBORS, MN 55616-1221 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|
| Document Number | A000204009 |
|---|---|
| Date | Apr 19, 2024 |
| Instrument | A000204009 |
| Name | SECRETARY OF HSNG AND URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Mar 1, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 807 12TH AVE, TWO HARBORS, MN 55616-1221 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | A000201193 |
|---|---|
| Date | Oct 4, 2022 |
| Instrument | A000201193 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Mar 2, 2021 |
| Property Address | 807 12TH AVE, TWO HARBORS, MN 55616-1221 |
| Document Number | A000196614 |
| Instrument Date | Feb 23, 2021 |
| Instrument | A000196614 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 807 12TH AVE, TWO HARBORS, MN 55616-1221 |
| Document Number | A000196615 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | A000196615 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Apr 23, 2020 |
| Property Address | 807 12TH AVE, TWO HARBORS, MN 55616-1221 |
| Document Number | A000193884 |
| Instrument Date | Apr 13, 2020 |
| Instrument | A000193884 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 807 12TH AVE, TWO HARBORS, MN 55616-1221 |
| Document Number | A000193885 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | A000193885 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
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 | $1,920.00 Homeowner's exemption | $247,400 (+3%) Land $27,000 Building $220,400 | $247,400 (+3%) Land $27,000 Building $220,400 |
| 2023 | $240,200 Land $18,800 Building $221,400 | $240,200 Land $18,800 Building $221,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures