120 W Chapman St, Ely, MN 55731 Property Records

St. Louis County property record for 120 W Chapman St, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,014 sqft · built 1992
Lot Size	0.214 acres (9,336 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Apr 2021)
Tax Bill	$3,684 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-0260-00910`

Property Details

APN / Parcel Number

Primary APN	`030-0260-00910`
Alternative APN	`1107367`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,014 sqft Gross Area
1st Floor Area	1,530 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,336 sqft (0.214 acres)
Garage Area	810 sqft

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	12 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1107367
Street Address	120 W CHAPMAN ST
City	ELY
State	MN
Zip	55731-1136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4 5 AND 6 SERIAL #
Legal Subdivision	SEMERS ADDITION TO ELY
Legal Block	5
Legal Lot Number	4-5
Jurisdiction	ST LOUIS MN
Township / Civil Division	ELY
Census Block Group	2
Census Block	2012
Census Tract	15300

Owner

Source: St. Louis County records, as of August 17, 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	120 W CHAPMAN ST, ELY, MN 55731-1136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Warranty Deed, Transfer · FHA Mortgage MANN MORTGAGE LLC
Jul 11, 2018	Warranty Deed, Transfer · Conventional with PMI FRANDSEN BK&TR
Jul 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2021 · Amount on Record
Deed Sale	Apr 13, 2021 · Amount on Record
Prior Sale	Jul 11, 2018 · Amount on Record
Deed Document Number	20211039216
Prior Transfer Date	Feb 12, 2021
Prior Transfer Doc	0001403829
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 13, 2021
Property Address	120 W CHAPMAN ST, ELY, MN 55731-1136
Document Number	0001039216
Instrument Date	Apr 6, 2021
Instrument	1039216
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$643.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	120 W CHAPMAN ST, ELY, MN 55731-1136

Mortgage

Document Number	0001039217
Date	Apr 13, 2021
Instrument	1039217

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 11, 2018
Property Address	120 W CHAPMAN ST, ELY, MN 55731-1136
Document Number	00A1000072
Instrument Date	Jun 29, 2018
Instrument	A1000072
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	120 W CHAMAN ST ELY MN 55731, ELY, MN 55731

Mortgage

Document Number	A1000073
Date	Jul 11, 2018
Instrument	A1000073

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 11, 2018
Property Address	120 W CHAPMAN ST, ELY, MN 55731-1136
Document Number	00A1000071
Instrument Date	Jun 14, 2018
Instrument	A1000071
Transaction Type	Transfer
Record Updated	Jul 30, 2018

Transaction

Amount	Amount Recorded
Tax	$511.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 W CHAPMAN ST ELY MN 557311136, ELY, MN 55731-1136

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Ely City
Unified School District	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,684.00 (+5.26%) Homeowner's exemption
2025	$3,500.00 (+2.52%) Homeowner's exemption	$280,600 (+8.05%) Land $14,200 Building $266,400	$280,600 (+8.05%) Land $14,200 Building $266,400
2024	$3,414.00	$259,700 (+7.31%) Land $13,500 Building $246,200	$259,700 (+7.31%) Land $13,500 Building $246,200
2022		$242,000 Land $12,400 Building $229,600	$242,000 Land $12,400 Building $229,600

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, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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	Ely serves 3,258 people · EPA ID MN1690014
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Fiber	5,000 / 5,000
Treehouse Broadband Fixed Wireless	1,000 / 1,000

May also be available: AT&T, CTC.

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