815 7th St, Two Harbors, MN 55616 Property Records

Lake County property record for 815 7th St, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 666 sqft · built 1939
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,900 (Sep 2026)
Tax Bill	$1,090 (2026)
Deeds & Mortgages	Sep 2026 Sale Aug 2019 Mortgage + 5 more
APN	`23-7662-46012`

Property Details

APN / Parcel Number

Primary APN	`23-7662-46012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	666 sqft Gross Area
1st Floor Area	666 sqft
Utility Area	186 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2010
Architectural Style	Bungalow
Exterior Material	Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	41 ft deep x 50 ft wide

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	20 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	815 7TH ST
City	TWO HARBORS
State	MN
Zip	55616-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 41FT OF LOT 1 BLOCK 46
Legal Subdivision	MINNESOTA IRON COMPANY SECOND ADDITION
Legal Block	46
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4018
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 7TH ST, TWO HARBORS, MN 55616-1324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed, Transfer
Aug 28, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage SUMMIT MORTGAGE
Jun 28, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT
Jul 8, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 4, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT
Aug 28, 2019	Warranty Deed, Transfer · FHA Mortgage SUMMIT MORTGAGE
Nov 13, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	Aug 28, 2019 · Amount on Record
Deed Document Number	20261925412
Prior Transfer Date	May 20, 2011
Prior Transfer Doc	0000174082
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Sep 28, 2026
Property Address	815 7TH ST, TWO HARBORS, MN 55616-1324
Document Number	0001925412
Instrument Date	Sep 28, 2026
Instrument	20261925412
Transaction Type	Transfer
Record Updated	Oct 13, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 7TH ST, TWO HARBORS, MN 55616-1324

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	815 7TH ST, TWO HARBORS, MN 55616-1324
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000192479
Date	Aug 28, 2019
Instrument	A000192479

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	815 7TH ST, TWO HARBORS, MN 55616-1324
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000202513
Date	Jun 28, 2023
Instrument	A000202513

Lender

Name	SECRETARY OF HSNG AND URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Sep 1, 2049

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	815 7TH ST, TWO HARBORS, MN 55616-1324
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000200623
Date	Jul 8, 2022
Instrument	A000200623

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Aug 1, 2049

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	815 7TH ST, TWO HARBORS, MN 55616-1324
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000197230
Date	May 4, 2021
Instrument	A000197230

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	337 Months
Due	Jun 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Aug 28, 2019
Property Address	815 7TH ST, TWO HARBORS, MN 55616-1324
Document Number	A000192477
Instrument Date	Aug 26, 2019
Instrument	A000192477
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
Address	815 7TH ST, TWO HARBORS, MN 55616-1324

Mortgage

Document Number	A000192478
Date	Aug 28, 2019
Instrument	A000192478

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Nov 13, 2017
Property Address	815 7TH ST, TWO HARBORS, MN 55616-1324
Document Number	A000188789
Instrument Date	Nov 9, 2017
Instrument	A000188789
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$313.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	A000188790
Date	Nov 13, 2017
Instrument	A000188790

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

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

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	$1,090.00 Homeowner's exemption	$153,900 (-0.77%) Land $8,500 Building $145,400	$153,900 (-0.77%) Land $8,500 Building $145,400
2023		$155,100 Land $5,500 Building $149,600	$155,100 Land $5,500 Building $149,600

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	4 (2012–2019)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2019 · river or lake flooding

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 538 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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