1455 Bear Head State Park Rd, Ely, MN 55731 Property Records

St. Louis County property record for 1455 Bear Head State Park Rd, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,976 sqft
Lot Size	4.26 acres (185,566 sqft)
Owner	Individual Name on Record
Tax Bill	$6,408 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Aug 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`317-0010-04309`

Property Details

APN / Parcel Number

Primary APN	`317-0010-04309`
Alternative APN	`30052`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,976 sqft Gross Area
1st Floor Area	480 sqft
Basement Area	1,060 sqft
Finished Basement	1,060 sqft

Exterior

Exterior Material	Wood
Construction Type	Frame
Lot Area	185,566 sqft (4.26 acres)
Garage Area	1,560 sqft

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	140 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	30052
Street Address	1455 BEAR HEAD STATE PARK RD
City	ELY
State	MN
Zip	55731-8011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	W 165 FT OF E 330 FT OF LOT 3 LYING SLYOF RD EX FOR HWY EASEMEN SERIAL #
Legal Range	14W
Legal Township	62N
Legal Section	26
Legal Subdivision	EAGLES NEST TOWN OF
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	EAGLES NEST
Census Block Group	1
Census Block	1060
Census Tract	15402

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	1455 BEAR HEAD STATE PARK RD, ELY, MN 55731-8011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK & TRUST
Aug 1, 2018	Loan Modification, Mortgage AMERICAN BK/NORTH

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1455 BEAR HEAD STATE PARK RD, ELY, MN 55731-8011
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001461796
Date	Feb 13, 2023
Instrument	1461796

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	6.91%
Type Change Date	Mar 1, 2026
Change Frequency	3 Years
Min Rate At Change	4.91%
Max Rate At Change	8.91%
Index	Other
Max Rate	12.9%

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	1455 BEAR HEAD STATE PARK RD, ELY, MN 55731-8011
Document Number	00A1338484
Instrument Date	Aug 1, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1455 BEAR HEAD STATE PARK RD ELY MN 557318011, ELY, MN 55731-8011

Mortgage

Document Number	00A1338484
Date	Aug 13, 2018
Instrument	A1338484

Lender

Name	AMERICAN BK/NORTH
Type	Bank
Address	COOK, MN 55723

Agreement

Term	60 Months
Due	Aug 12, 2023

Interest

Rate	6.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Eagles Nest Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,408.00 (-8.25%) Homeowner's exemption
2025	$6,984.00 (+29.33%) Homeowner's exemption	$687,100 (-9.62%) Land $209,400 Building $477,700	$687,100 (-9.62%) Land $209,400 Building $477,700
2024	$5,400.00	$760,200 (+37.74%) Land $220,600 Building $539,600	$760,200 (+37.74%) Land $220,600 Building $539,600
2022		$551,900 Land $171,000 Building $380,900	$551,900 Land $171,000 Building $380,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 83% of Minnesota
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	70 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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