St. Louis County property record for 1938 Whispering Woods Rd, Ely, MN 55731
| Property Type | Single Family Home |
|---|---|
| Details | 2.25 ba · 1,326 sqft · built 1982 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $20,000 (Sep 2021) |
| Tax Bill | $6,354 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 465-0010-01216 |
| Primary APN | 465-0010-01216 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.25 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,326 sqft Gross Area |
| 1st Floor Area | 1,326 sqft |
| Basement Area | 900 sqft |
| Finished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 4,104 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 147 sqft |
| Deck Area | 42 sqft |
| Storage Building | 280 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1106809 |
|---|---|
| Street Address | 1938 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 | E1/2 OF W1/2 OF NW1/4 OF SE1/4 SERIAL # |
| 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 |
Source: St. Louis County records, as of October 6, 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 | 1938 WHISPERING WOODS RD, ELY, MN 55731-8366 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2026 | Deed of Trust, Mortgage · Line of Credit HIGHLAND BANK |
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GRAND RAPIDS STATE BANK |
| Sep 28, 2021 | Deed of Trust, Mortgage · Line of Credit ROYAL CU |
| Apr 5, 2021 | Intrafamily Transfer, Transfer ABSTRACT SERVICES COMPANY, ABSTRACT SERVICE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2021 · Amount on Record |
| Deed Sale | Sep 22, 2021 · Amount on Record |
| Prior Sale | Nov 15, 2013 · Amount on Record |
| Deed Document Number | 20211425223 |
| Prior Transfer Date | Feb 19, 2021 |
| Prior Transfer Doc | 0001409148 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 22, 2026 |
| Property Address | 1938 WHISPERING WOODS RD, ELY, MN 55731-8366 |
| Document Number | 0001540897 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 20261540897 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1938 WHISPERING WOODS RD, ELY, MN 55731-8366 |
| Document Number | 0001540897, |
|---|---|
| Date | Sep 22, 2026 |
| Instrument | 20261540897 |
| Name | HIGHLAND BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1938 WHISPERING WOODS RD, ELY, MN 55731-8366 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Title Company | ABSTRACT SERVICES COMPANY, ABSTRACT SERVICE CO |
| Name | Verified Name |
|---|
| Document Number | 0001406285 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 1406285 |
| Name | GRAND RAPIDS STATE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MN 55744 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 1938 WHISPERING WOODS RD, ELY, MN 55731-8366 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001425746 |
|---|---|
| Date | Sep 28, 2021 |
| Instrument | 1425746 |
| Name | ROYAL CU |
|---|---|
| Type | Credit Union |
| Address | EAU CLAIRE, WI 54703 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 27, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Apr 5, 2021 |
| Property Address | 1938 WHISPERING WOODS RD, ELY, MN 55731-8366 |
| Document Number | 0001409148 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 1409148 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2021 |
| Title Company | ABSTRACT SERVICES COMPANY, ABSTRACT SERVICE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1938 WHISPERING WOODS RD, ELY, MN 55731-8366 |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Morse Township |
| Unified School District | Ely Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,354.00 (+2.95%) Homeowner's exemption | ||
| 2025 | $6,172.00 (+9.78%) Homeowner's exemption | $663,100 (+15.87%) Land $79,700 Building $583,400 | $663,100 (+15.87%) Land $79,700 Building $583,400 |
| 2024 | $5,622.00 | $572,300 (+44.23%) Land $75,100 Building $497,200 | $572,300 (+44.23%) Land $75,100 Building $497,200 |
| 2022 | $396,800 Land $62,400 Building $334,400 | $396,800 Land $62,400 Building $334,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 90% 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.
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 |
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