821 12th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 821 12th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$194,000 (Jul 2020)
Tax Bill	$684 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
APN	`23-7665-71120`

Property Details

APN / Parcel Number

Primary APN	`23-7665-71120`

Interior

Utility Area	96 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Vinyl
Construction Type	Wood
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	140 ft deep x 25 ft wide
Garage Type	Mixed
Garage Area	1,268 sqft
Parking Spaces	5 Parking Spaces
Deck Area	Deck Area
Sauna	Sauna

Location & Zoning

Street Address	821 12TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W12 OF LOT 12 BLOCK 71
Legal Block	71
Legal Lot Number	12
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	1
Census Block	1026
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	821 12TH AVE, TWO HARBORS, MN 55616-1221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2020 · Amount on Record
Deed Sale	Jul 23, 2020 · Amount on Record
Prior Sale	Nov 25, 2009 · Amount on Record
Deed Document Number	2020194510
Prior Transfer Date	Jul 15, 2020
Prior Transfer Doc	0000194510
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 23, 2020
Property Address	821 12TH AVE, TWO HARBORS, MN 55616-1221
Document Number	A000194510
Instrument Date	Jul 15, 2020
Instrument	A000194510
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 12TH AVE, TWO HARBORS, MN 55616-1221

Mortgage

Document Number	A000194511
Date	Jul 23, 2020
Instrument	A000194511

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$684.00 Homeowner's exemption	$65,200 (+8.13%) Land $13,500 Building $51,700	$65,200 (+8.13%) Land $13,500 Building $51,700
2023		$60,300 Land $9,400 Building $50,900	$60,300 Land $9,400 Building $50,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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