832 9th Ave, Two Harbors, MN 55616 Property Records

Lake County property record for 832 9th Ave, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,008 sqft · built 1904
Owner	Individual Name on File
Last Sale	$200,000 (Jul 2018)
Deeds & Mortgages	Jan 2020 Refinance Sep 2021 Sale & Mortgage + 1 more
APN	`23-7662-45080`

Property Details

APN / Parcel Number

Primary APN	`23-7662-45080`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,008 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1995
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	832 9TH AVE
City	TWO HARBORS
State	MN
Zip	55616-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLOCK 45
Legal Block	45
Legal Lot Number	8
Jurisdiction	LAKE MN
Township / Civil Division	TWO HARBORS
Census Block Group	4
Census Block	4019
Census Tract	370400

Owner

Source: Lake County assessment roll, as of February 1, 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
Co-owner	Verified Secondary Owner
Mailing Address	832 9TH AVE, TWO HARBORS, MN 55616-1331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Sep 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE FEDERAL CREDIT UNION
Jul 16, 2018	Warranty Deed, Transfer WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 16, 2018 · Amount on Record
Deed Sale	Jul 16, 2018 · Amount on Record
Prior Sale	Jul 16, 2018 · Amount on Record
Deed Document Number	A000190139
Last Transfer Date	Sep 29, 2021
Transfer Doc	A000198578
Record Updated	Jun 7, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	832 9TH AVE, TWO HARBORS, MN 55616-1331
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000193375
Date	Jan 21, 2020
Instrument	A000193375

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Sep 29, 2021
Property Address	832 9TH AVE, TWO HARBORS, MN 55616-1331
Document Number	A000198578
Instrument Date	Sep 21, 2021
Instrument	A000198578
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	832 9TH AVE, TWO HARBORS, MN 55616-1331

Mortgage

Document Number	A000198579
Date	Sep 29, 2021
Instrument	A000198579

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 16, 2018
Property Address	832 9TH AVE, TWO HARBORS, MN 55616-1331
Document Number	A000190139
Instrument Date	Jul 12, 2018
Instrument	A000190139
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	832 9TH AVE, TWO HARBORS, MN 55616-1331

Mortgage

Document Number	A000190140
Date	Jul 16, 2018
Instrument	A000190140

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

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	$277,300 Land $21,300 Building $256,000	$277,300 Land $21,300 Building $256,000

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

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 West Holding Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50

May also be available: AT&T, Frontier.

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