St. Louis County property record for 2118 Sun Rock Ln, Ely, MN 55731
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 3,132 sqft · built 1995 |
| Lot Size | 5.5 acres (239,580 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $475,000 (May 2024) |
| Tax Bill | $5,182 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage May 2024 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 465-0020-00862 |
| Primary APN | 465-0020-00862 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 3,132 sqft Gross Area |
| 1st Floor Area | 2,001 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 239,580 sqft (5.5 acres) |
| Garage Area | 3,055 sqft |
| Deck Area | 390 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 1165550 |
|---|---|
| Street Address | 2118 SUN ROCK LN |
| City | ELY |
| State | MN |
| Zip | 55731-8140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | PART OF SE1/4 OF NE1/4 BEG 685.51 FT WOF NE COR THENCE S21DEG49'06"E 803.60 FTTHENCE N88DEG05'41"W 327.70 FT |
| Legal Range | 12W |
| Legal Township | 63N |
| Legal Section | 07 |
| Legal Subdivision | MORSE TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | MORSE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 15401 |
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 | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK AND TRUST |
| May 7, 2024 | Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST |
| Oct 3, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage FRANDSEN BANK & TRUST |
| May 5, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage KS STATEBANK |
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ELY AREA CU |
| Dec 2, 2019 | Deed of Trust, Mortgage · Conventional with PMI ELY AREA CU |
| Jun 21, 2017 | Grant Deed, Transfer TITLE ONE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2024 · Amount on Record |
| Deed Sale | May 7, 2024 · Amount on Record |
| Prior Sale | May 5, 2021 · Amount on Record |
| Deed Document Number | 20241487369 |
| Prior Transfer Date | Nov 17, 2022 |
| Prior Transfer Doc | 0001456725 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 8, 2026 |
| Property Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 0001533905 |
| Instrument Date | May 22, 2026 |
| Instrument | 20261533905 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 0001533905, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 20261533905 |
| Name | FRANDSEN BANK AND TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 7, 2024 |
| Property Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 0001487369 |
| Instrument Date | Apr 26, 2024 |
| Instrument | 1487369 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Title Company | NORTHEAST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,567.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 0001487370 |
|---|---|
| Date | May 7, 2024 |
| Instrument | 1487370 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 3, 2023 |
| Property Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 0001475305 |
| Instrument Date | Sep 11, 2023 |
| Instrument | 1475305 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2023 |
| Title Company | NORTHEAST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $643.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 409 E BOUNDARY ST, ELY, MN 55731-1520 |
| Document Number | 0001475306 |
|---|---|
| Date | Oct 3, 2023 |
| Instrument | 1475306 |
| Name | FRANDSEN BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 1, 2024 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 5, 2021 |
| Property Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 0001412926 |
| Instrument Date | Apr 24, 2021 |
| Instrument | 1412926 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2021 |
| Title Company | DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 0001412927 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 1412927 |
| Name | KS STATEBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 00A1390401 |
| Instrument Date | Aug 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2118 SUN ROCK LN ELY MN 557318140, ELY, MN 55731-8140 |
| Document Number | 00A1390401 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | A1390401 |
| Name | ELY AREA CU |
|---|---|
| Type | Credit Union |
| Address | ELY, MN 55731 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 13, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 00A1369504 |
| Instrument Date | Dec 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2118 SUN ROCK LN ELY MN 557318140, ELY, MN 55731-8140 |
| Document Number | 00A1369504 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | A1369504 |
| Name | ELY AREA CU |
|---|---|
| Type | Credit Union |
| Address | ELY, MN 55731 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 12, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 21, 2017 |
| Property Address | 2118 SUN ROCK LN, ELY, MN 55731-8140 |
| Document Number | 00A1311523 |
| Instrument Date | May 31, 2017 |
| Instrument | A1311523 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2017 |
| Title Company | TITLE ONE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2118 SUN ROCK LN ELY MN 557318140, ELY, MN 55731-8140 |
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 | $5,182.00 (+2.05%) Homeowner's exemption | ||
| 2025 | $5,078.00 (+28.95%) Homeowner's exemption | $660,200 (+16.25%) Land $59,800 Building $600,400 | $660,200 (+16.25%) Land $59,800 Building $600,400 |
| 2024 | $567,900 (+40.05%) Land $56,400 Building $511,500 | $567,900 (+40.05%) Land $56,400 Building $511,500 | |
| 2023 | $3,938.00 Homeowner's exemption | ||
| 2022 | $405,500 Land $47,000 Building $358,500 | $405,500 Land $47,000 Building $358,500 |
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 75% of the US · above 90% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.3% 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Treehouse Broadband Fixed Wireless | 598 / 196 |
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 10 / 1 |
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