815 16th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 815 16th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,248 sqft · built 2005
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,000 (Oct 2020)
Tax Bill	$3,794 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
APN	`23-7643-04060`

Property Details

APN / Parcel Number

Primary APN	`23-7643-04060`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Stories	1 Story
Building Area	1,248 sqft Gross Area
1st Floor Area	1,248 sqft
Flooring	Vinyl/Resilient
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	135 ft deep x 92 ft wide
Garage Area	1,024 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	815 16TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 4 - 10TH ADDITION
Legal Range	11W
Legal Township	53N
Legal Section	36
Legal Subdivision	TENTH ADDITION
Legal Block	4
Legal Lot Number	6
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	1
Census Block	1014
Census Tract	370400

Owner

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	815 16TH AVE, TWO HARBORS, MN 55616-1246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Jul 22, 2005 · Amount on Record
Deed Document Number	2020195295
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Oct 16, 2020
Property Address	815 16TH AVE, TWO HARBORS, MN 55616-1246
Document Number	A000195295
Instrument Date	Oct 14, 2020
Instrument	A000195295
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
Relationship	Joint Tenants
Address	815 16TH AVE, TWO HARBORS, MN 55616-1246

Mortgage

Document Number	A000195296
Date	Oct 16, 2020
Instrument	A000195296

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$3,794.00 Homeowner's exemption	$410,700 (+5.33%) Land $54,000 Building $356,700	$410,700 (+5.33%) Land $54,000 Building $356,700
2023		$389,900 Land $37,800 Building $352,100	$389,900 Land $37,800 Building $352,100

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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	Direct burnable vegetation

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 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