Lake County property record for 816 10th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 876 sqft · built 1954 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $88,000 (Aug 2017) |
| Tax Bill | $772 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2022 Mortgage + 2 more |
| APN | 23-7663-56040 |
| Primary APN | 23-7663-56040 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 876 sqft Gross Area |
| 1st Floor Area | 876 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 24 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 816 10TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLOCK 56 |
| Legal Subdivision | MINNESOTA IRON COMPANYS THIRD ADDITION |
| Legal Block | 56 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 4 |
| Census Block | 4011 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 816 10TH AVE, TWO HARBORS, MN 55616-1343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2025 | Deed of Trust, Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT |
| Dec 30, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance 1 ROOF COMMUNITY |
| Aug 28, 2017 | Warranty Deed, Transfer · Conventional Mortgage MARKETPLACE HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2017 · Amount on Record |
| Deed Sale | Aug 28, 2017 · Amount on Record |
| Prior Sale | Feb 28, 2011 |
| Deed Document Number | 2017188211 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 816 10TH AVE, TWO HARBORS, MN 55616-1343 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000207450 |
|---|---|
| Date | Dec 3, 2025 |
| Instrument | A000207450 |
| Name | SECRETARY OF HOUSING URBAN & DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 478 Months |
| Due | Oct 1, 2065 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 816 10TH AVE, TWO HARBORS, MN 55616-1343 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | A000201679 |
|---|---|
| Date | Dec 30, 2022 |
| Instrument | A000201679 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 816 10TH AVE, TWO HARBORS, MN 55616-1343 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2020 |
| Name | Verified Name |
|---|
| Document Number | A000193694 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | A000193694 |
| Name | 1 ROOF COMMUNITY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Aug 28, 2017 |
| Property Address | 816 10TH AVE, TWO HARBORS, MN 55616-1343 |
| Document Number | A000188211 |
| Instrument Date | Aug 25, 2017 |
| Instrument | A000188211 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | A000188212 |
|---|---|
| Date | Aug 28, 2017 |
| Instrument | A000188212 |
| Name | MARKETPLACE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55435 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
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 | $772.00 Homeowner's exemption | $138,300 (+0.36%) Land $25,600 Building $112,700 | $138,300 (+0.36%) Land $25,600 Building $112,700 |
| 2023 | $137,800 Land $18,800 Building $119,000 | $137,800 Land $18,800 Building $119,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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