823 5th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 823 5th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 836 sqft · built 1897
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jul 2023)
Tax Bill	$2,548 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
APN	`23-7661-32110`

Property Details

APN / Parcel Number

Primary APN	`23-7661-32110`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	836 sqft Gross Area
1st Floor Area	836 sqft
Utility Area	160 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Other
Construction Type	Wood
Roof Type	Shed Roof
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Parking Spaces	1 Parking Space
Pool Type	Pool with Hot Tub/Spa
Deck Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	823 5TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLOCK 32
Legal Subdivision	MINNESOTA IRON COMPANYS FIRST ADDITION
Legal Block	32
Legal Lot Number	11
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 August 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	823 5TH AVE, TWO HARBORS, MN 55616-1428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Deed Document Number	20231562734
Prior Transfer Date	Sep 28, 2006
Prior Transfer Doc	0000162419
Record Updated	Sep 20, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Jul 28, 2023
Property Address	823 5TH AVE, TWO HARBORS, MN 55616-1428
Document Number	A000202702
Instrument Date	Jul 27, 2023
Instrument	A000202702
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants
Address	823 5TH AVE, TWO HARBORS, MN 55616-1428
Investor	Possibly a Property Investor

Mortgage

Document Number	A000202703
Date	Jul 28, 2023
Instrument	A000202703

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

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		$258,000 (+31.43%) Land $27,000 Building $231,000	$258,000 (+31.43%) Land $27,000 Building $231,000
2025	$2,548.00
2023		$196,300 Land $18,800 Building $177,500	$196,300 Land $18,800 Building $177,500

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	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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