12963 W Ridge Rd, Ely, MN 55731 Property Records

Lake County property record for 12963 W Ridge Rd, Ely, MN 55731 · Last verified August 2023

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 960 sqft · built 2005
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Oct 2021)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
APN	`28-6226-01010`

Property Details

APN / Parcel Number

Primary APN	`28-6226-01010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	960 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Log Home
Exterior Material	Logs
Construction Type	Wood
Lot Area	174,240 sqft (4 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	12963 W RIDGE RD
City	ELY
State	MN
Zip	55731-8397
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 1 BLOCK 1
Legal Block	1
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	FALL LAKE
Census Block Group	1
Census Block	1090
Census Tract	370101

Owner

Source: Lake County records · APN 28-6226-01010

Assessment roll updated February 1, 2023 · Last verified August 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	12963 W RIDGE RD, ELY, MN 55731-8397
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 07, 2021 · Amount on Record
Deed Sale	Oct 07, 2021 · Amount on Record
Prior Sale	Feb 15, 2005 · Amount on Record
Deed Document Number	198648
Prior Transfer Date	Oct 06, 2021
Prior Transfer Doc	A000198648
Record Updated	Jun 07, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Oct 06, 2021
Property Address	12963 W RIDGE RD, ELY, MN 55731-8397
Document Number	A000198648
Instrument Date	Sep 30, 2021
Instrument	A000198648
Transaction Type	Transfer
Record Updated	Nov 03, 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
Relationship	Joint Tenants
Address	12963 E RIDGE RD, ELY, MN 55731-8365

Mortgage

Document Number	A000198649
Date	Oct 06, 2021
Instrument	A000198649

Lender

Name	FRANDSEN B&T

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated February 1, 2023 · Last verified August 2023

Property Jurisdictions

Type	Name
State	Minnesota
County	Lake County
County Subdivision	Fall Lake Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Assessed Value	Assessed Market Value
2023	$250,400 Land $61,200 Building $189,200	$250,400 Land $61,200 Building $189,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	High above 74% of the US · above 90% of Minnesota
Wildfire Likelihood	About 1 in 413 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Zito West Holding	Fiber	1,000 / 1,000
Treehouse Broadband	Fixed Wireless (licensed-by-rule)	900 / 500
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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