2126 Nels Lake Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2126 Nels Lake Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1.5 ba · 704 sqft
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Oct 2022)
Tax Bill	$2,920 (2026)
Deeds & Mortgages	Nov 2024 Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`613-0010-02740`

Property Details

APN / Parcel Number

Primary APN	`613-0010-02740`
Alternative APNs	`1138982` `667697`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	704 sqft Gross Area
1st Floor Area	626 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Custom Design
Construction Type	Frame
Lot Area	871,200 sqft (20 acres)
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1138982
Street Address	2126 NELS LAKE RD
City	ELY
State	MN
Zip	55731
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	FAM
Legal Description	SE1/4 OF SE1/4 EX W1/2 SERIAL #
Legal Range	12W
Legal Township	64N
Legal Section	18
Jurisdiction	ST LOUIS MN
Township / Civil Division	NORTHEAST ST. LOUIS
Census Block Group	1
Census Block	1195
Census Tract	15502

Owner

Source: St. Louis County records, as of October 20, 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	152 BIRCH LN W, WAYZATA, MN 55391-1500
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2024	Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE
Oct 21, 2022	Warranty Deed, Transfer NORTHEAST TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2022 · Amount on Record
Deed Sale	Oct 21, 2022 · Amount on Record
Prior Sale	Aug 20, 2003 · Amount on Record
Deed Document Number	20221454725
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2126 NELS LAKE RD, ELY, MN 55731
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	ESQUIRE TITLE, ESQUIRE TITLE SERVICE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 BIRCH LN W, WAYZATA, MN 55391-1500

Mortgage

Document Number	0001499336
Date	Nov 13, 2024
Instrument	1499336

Lender

Name	TRADITION MORTGAGE
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 21, 2022
Property Address	2126 NELS LAKE RD, ELY, MN 55731
Document Number	0001454725
Instrument Date	Sep 27, 2022
Instrument	1454725
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$623.70
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	152 BIRCH LN W, WAYZATA, MN 55391-1500
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,920.00 (+17.55%)
2025	$2,484.00 (+278.66%)	$337,600 (+44.21%) Land $109,400 Building $228,200	$337,600 (+44.21%) Land $109,400 Building $228,200
2024	$656.00 (+10.81%)	$234,100 (+273.96%) Land $106,900 Building $127,200	$234,100 (+273.96%) Land $106,900 Building $127,200
2023	$592.00
2022		$62,600 (+12.39%) Land $62,600	$62,600 (+12.39%) Land $62,600
2021		$55,700 Land $55,700	$55,700 Land $55,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 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 86% of the US · above 96% of Minnesota
Wildfire Likelihood	0.5% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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