1917 Whispering Woods Rd, Ely, MN 55731 Property Records

St. Louis County property record for 1917 Whispering Woods Rd, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,288 sqft · built 1964
Lot Size	7.97 acres (347,173 sqft)
Owner	Individual Name on Record
Tax Bill	$3,184 (2026)
Deeds & Mortgages	Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`465-0010-01116`

Property Details

APN / Parcel Number

Primary APN	`465-0010-01116`
Alternative APN	`557537`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,288 sqft Gross Area
1st Floor Area	1,352 sqft
Basement Area	312 sqft
Finished Basement	312 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	347,173 sqft (7.97 acres)
Garage Area	676 sqft

Exterior Amenities

Porch	Slab
Deck Area	142 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	557537
Street Address	1917 WHISPERING WOODS RD
City	ELY
State	MN
Zip	55731-8366
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	PART OF SE1/4 OF NE1/4 DESCRIBED AS FOLLOWSASSUMING THE E LINE OF SE1/4 OF NE1/4 TO BEARN09DEG29'27"W AND FROM THE SE COR OF
Legal Range	12W
Legal Township	62N
Legal Section	08
Legal Subdivision	MORSE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	2
Census Block	2162
Census Tract	15401

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	1917 WHISPERING WOODS RD, ELY, MN 55731-8366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1917 WHISPERING WOODS RD, ELY, MN 55731-8366
Document Number	00A1345411
Instrument Date	Nov 7, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1917 WHISPERING WOODS RD ELY MN 557318366, ELY, MN 55731-8366

Mortgage

Document Number	00A1345411
Date	Nov 27, 2018
Instrument	A1345411

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	ELY, MN 55731

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 26, 2023

Interest

Rate Type	Adjustable Rate

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	Morse Township
Unified School District	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,184.00 (+1.14%) Homeowner's exemption
2025	$3,148.00 (+6.86%) Homeowner's exemption	$449,200 (+15.53%) Land $64,800 Building $384,400	$449,200 (+15.53%) Land $64,800 Building $384,400
2024	$2,946.00	$388,800 (+29.43%) Land $61,100 Building $327,700	$388,800 (+29.43%) Land $61,100 Building $327,700
2022		$300,400 Land $50,700 Building $249,700	$300,400 Land $50,700 Building $249,700

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	4 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	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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Treehouse Broadband Fixed Wireless	150 / 150
T-Mobile Fixed Wireless	100 / 20