817 7th St, Two Harbors, MN 55616 Property Records

Lake County property record for 817 7th St, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 680 sqft · built 1939
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$4,696 (Jun 2011)
Tax Bill	$676 (2026)
Deeds & Mortgages	Apr 2024 Mortgage May 2023 Mortgage
APN	`23-7662-46011`

Property Details

APN / Parcel Number

Primary APN	`23-7662-46011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	680 sqft Gross Area
1st Floor Area	680 sqft
Utility Area	42 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2000
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	30 sqft
Deck Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	817 7TH ST
City	TWO HARBORS
State	MN
Zip	55616-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 41FT OF S 82FT OF LOT 1 BLOCK 46
Legal Subdivision	MINNESOTA IRON COMPANYS 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	Individual Name on Record
Mailing Address	817 7TH ST, TWO HARBORS, MN 55616-1324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Conventional Mortgage TWO HARBORS FCU
May 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage ARROWHEAD ECONOMIC OPPORTUNITY AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2011 · Amount on Record
Deed Sale	Jun 1, 2011 · Amount on Record
Prior Sale	Aug 19, 2010 · Amount on Record
Deed Document Number	2011174108
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	817 7TH ST, TWO HARBORS, MN 55616-1324
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000203991
Date	Apr 17, 2024
Instrument	A000203991

Lender

Name	TWO HARBORS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2039

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	817 7TH ST, TWO HARBORS, MN 55616-1324
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000202274
Date	May 16, 2023
Instrument	A000202274

Lender

Name	ARROWHEAD ECONOMIC OPPORTUNITY AGENCY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$676.00 Homeowner's exemption	$125,800 (+13.95%) Land $8,500 Building $117,300	$125,800 (+13.95%) Land $8,500 Building $117,300
2023		$110,400 Land $5,500 Building $104,900	$110,400 Land $5,500 Building $104,900

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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