822 4th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 822 4th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,260 sqft · built 1977
Lot Size	1.74 acres (75,794 sqft)
Owner	Company Name on Record
Last Sale	$490,000 (Nov 2023)
Tax Bill	$8,256 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Mortgage
APN	`23-7600-01070`

Property Details

APN / Parcel Number

Primary APN	`23-7600-01070`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,260 sqft Gross Area
1st Floor Area	20,084 sqft
Basement Area	70 sqft
Flooring	Vinyl/Resilient
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Wood
Lot Area	75,794 sqft (1.74 acres)
Garage Type	Mixed
Garage Area	8,015 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Deck Area	28 sqft
Lean-To	360 sqft
Sauna	Sauna
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	822 4TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.74 ACRES OF OUT OF NW14 OF NE14 AS DESC
Legal Range	11W
Legal Township	52N
Legal Section	01
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	2
Census Block	2020
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	Company Name on Record
Mailing Address	2025 TYROL ST, DULUTH, MN 55811-5325
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Commercial Mortgage NORTH SHORE BANK OF COMMERCE
Nov 8, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2023 · Amount on Record
Deed Sale	Nov 1, 2023 · Amount on Record
Deed Document Number	20231597095
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	822 4TH AVE, TWO HARBORS, MN 55616-1462
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000208050
Date	Mar 24, 2026
Instrument	A000208050

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 24, 2031

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Nov 8, 2023
Property Address	822 4TH AVE, TWO HARBORS, MN 55616-1462
Document Number	A000203255
Instrument Date	Nov 1, 2023
Instrument	A000203255
Transaction Type	Transfer
Record Updated	Dec 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2025 TYROL ST, DULUTH, MN 55811-5325

Mortgage

Document Number	A000203256
Date	Nov 8, 2023
Instrument	A000203256

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2028

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	$8,256.00 (+108.38%)	$430,400 (+64.84%) Land $110,900 Building $319,500	$430,400 (+64.84%) Land $110,900 Building $319,500
2025	$3,962.00
2023		$261,100 Land $46,400 Building $214,700	$261,100 Land $46,400 Building $214,700

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	1 (1979)
Most Recent Claim	May 1979 · tidal / storm surge

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	Direct burnable vegetation

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: AT&T, Frontier.

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