1590 Hwy 1, Ely, MN 55731 Property Records

St. Louis County property record for 1590 Hwy 1, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	1.75 ba · 1,788 sqft · built 2000
Lot Size	2.68 acres (116,741 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Apr 2003)
Tax Bill	$3,360 (2026)
Deeds & Mortgages	Aug 2021 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`465-0010-03290`

Property Details

APN / Parcel Number

Primary APN	`465-0010-03290`
Alternative APN	`748759`

Interior

Full Baths	1.75 Baths
Stories	1 Story
Building Area	1,788 sqft Gross Area
1st Floor Area	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Lot Area	116,741 sqft (2.68 acres)
Garage Area	1,344 sqft

Exterior Amenities

Porch	Porch
Porch Area	320 sqft
Deck Area	90 sqft
Cabin	180 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	748759
Street Address	1590 HIGHWAY 1
City	ELY
State	MN
Zip	55731-8209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF GOVT LOT 6, DESCRIBED ASFOLLOWS: ASSUMING THE SOUTH LINE OF GOVT LOT6 TO BEAR S85DEG45'55"W, AND FROM THE
Legal Range	12W
Legal Township	62N
Legal Section	23
Legal Subdivision	MORSE TOWN OF
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	1
Census Block	1074
Census Tract	15401

Owner

1590 Hwy 1 is owned and occupied by an individual who bought it in April 2003.

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

Owner of Record	Individual Name on File
Mailing Address	1590 HIGHWAY 1, ELY, MN 55731-8209
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BOUNDARY WATERS BANK
May 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage LEND SMART MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2003 · Amount on File
Deed Sale	Apr 8, 2003 · Amount on File
Deed Document Number	2003893627
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1590 HIGHWAY 1, ELY, MN 55731-8209
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001420673
Date	Aug 2, 2021
Instrument	1420673

Lender

Name	BOUNDARY WATERS BANK
Type	Bank
Address	ELY, MN 55731

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2041

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1590 HIGHWAY 1, ELY, MN 55731-8209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001354425
Date	May 9, 2019
Instrument	1354425

Lender

Name	LEND SMART MORTGAGE LLC
Type	Lending Institution
Address	SAINT PAUL, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1590 Hwy 1 was $3,360 with a homeowner's exemption, up 0.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Morse Township
Unified School District	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,360.00 (+0.54%) Homeowner's exemption
2025	$3,342.00 (-1.42%) Homeowner's exemption	$422,200 (+3.53%) Land $105,300 Building $316,900	$422,200 (+3.53%) Land $105,300 Building $316,900
2024	$3,390.00	$407,800 Land $105,300 Building $302,500	$407,800 Land $105,300 Building $302,500
2022		$338,700 Land $44,500 Building $294,200	$338,700 Land $44,500 Building $294,200

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

Flood

FEMA maps place 1590 Hwy 1 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 1590 Hwy 1 is high, ranking above 71% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 89% of Minnesota
Wildfire Likelihood	0.2% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 1

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