Lake County property record for 820 8th Ave, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,008 sqft · built 1908 |
| Owner | Individual Name on File |
| Last Sale | $202,000 (Aug 2022) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Mar 2019 Refinance + 3 more |
| APN | 23-7662-42050 |
| Primary APN | 23-7662-42050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,008 sqft Gross Area |
| Fireplace | Fireplace |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Garage Type | Mixed |
| Garage Area | 728 sqft |
| Carport | Carport |
| Carport Area | 142 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 40 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 820 8TH AVE |
|---|---|
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLOCK 42 |
| Legal Block | 42 |
| Legal Lot Number | 5 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | TWO HARBORS |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 370400 |
Source: Lake County assessment roll, APN 23-7662-42050, as of February 1, 2023 · Last verified August 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 File |
|---|---|
| Mailing Address | 820 8TH AVE, TWO HARBORS, MN 55616-1314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 02, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage PARK STATE BANK |
| Mar 20, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA |
| Dec 07, 2018 | Deed of Trust, Mortgage US BANK NA |
| Jun 14, 2018 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Feb 01, 2017 | Warranty Deed, Transfer NORTH SHORE TITLE, NORTH SHORE TITLE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 02, 2022 · Amount on Record |
| Deed Sale | Aug 02, 2022 · Amount on Record |
| Prior Sale | Feb 01, 2017 · Amount on Record |
| Deed Document Number | 200786 |
| Record Updated | Jun 07, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Aug 02, 2022 |
| Property Address | 820 8TH AVE, TWO HARBORS, MN 55616-1314 |
| Document Number | A000200786 |
| Instrument Date | Jul 29, 2022 |
| Instrument | A000200786 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 8TH AVE, TWO HARBORS, MN 55616-1314 |
| Document Number | A000200787 |
|---|---|
| Date | Aug 02, 2022 |
| Instrument | A000200787 |
| Name | PARK STATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.35% |
| Type Change Date | Aug 01, 2029 |
| Max Rate At Change | 2.45% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 820 8TH AVE, TWO HARBORS, MN 55616-1314 |
| Transaction Type | Mortgage |
| Record Updated | Apr 04, 2019 |
| Name | Verified Name |
|---|
| Document Number | A000191508 |
|---|---|
| Date | Mar 20, 2019 |
| Instrument | A000191508 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 820 8TH AVE, TWO HARBORS, MN 55616-1314 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | A000191066 |
|---|---|
| Date | Dec 07, 2018 |
| Instrument | A000191066 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 229 Months |
| Due | Jan 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 820 8TH AVE, TWO HARBORS, MN 55616-1314 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | A000189988 |
|---|---|
| Date | Jun 14, 2018 |
| Instrument | A000189988 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 355 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Feb 01, 2017 |
| Property Address | 820 8TH AVE, TWO HARBORS, MN 55616-1314 |
| Document Number | A000186946 |
| Instrument Date | Jan 31, 2017 |
| Instrument | A000186946 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | NORTH SHORE TITLE, NORTH SHORE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $363.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 8TH AVE, TWO HARBORS, MN 55616-1314 |
Source: Lake County assessment roll as of February 1, 2023 · Last verified August 2023
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Municipality | Two Harbors City |
| Unified School District | Lake Superior Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $209,500 Land $18,800 Building $190,700 | $209,500 Land $18,800 Building $190,700 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270753704004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection, 142 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito West Holding Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
May also be available: AT&T, Frontier.
Source: EPA Safe Drinking Water Information System, water system MN1380005, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Two Harbors serves 3,698 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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