820 10th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 820 10th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 794 sqft · built 1908
Owner	Individual Name on Record
Last Sale	$146,000 (Nov 2019)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
APN	`23-7663-56050`

Property Details

APN / Parcel Number

Primary APN	`23-7663-56050`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	794 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 2000
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	820 10TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLOCK 56
Legal Block	56
Legal Lot Number	5
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4011
Census Tract	370400

Owner

Source: Lake County records, as of August 4, 2023

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
Co-owner	Co-owner on Record
Mailing Address	820 10TH AVE, TWO HARBORS, MN 55616-1343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Deed Document Number	192962
Prior Transfer Date	Nov 8, 2019
Prior Transfer Doc	A000192962
Record Updated	Jun 7, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Nov 8, 2019
Property Address	820 10TH AVE, TWO HARBORS, MN 55616-1343
Document Number	A000192962
Instrument Date	Oct 30, 2019
Instrument	A000192962
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
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	820 10TH AVE, TWO HARBORS, MN 55616-1343

Mortgage

Document Number	A000192963
Date	Nov 8, 2019
Instrument	A000192963

Lender

Name	LAKE BANK

Agreement

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

Tax Assessment & Valuation

Source: Lake County assessment roll, as of February 1, 2023

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	Assessed Value	Assessed Market Value
2023	$174,600 Land $18,800 Building $155,800	$174,600 Land $18,800 Building $155,800

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 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