2165 Haapala Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2165 Haapala Rd, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	1,572 sqft · built 1989
Lot Size	2.98 acres (130,194 sqft)
Owner	Individual Name on Record
Tax Bill	$1,070 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`465-0112-00020`

Property Details

APN / Parcel Number

Primary APN	`465-0112-00020`
Alternative APN	`866535`

Interior

Stories	1 Story
Building Area	1,572 sqft Gross Area
1st Floor Area	2,598 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Logs
Construction Type	Log
Lot Area	130,194 sqft (2.98 acres)
Garage Area	768 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	866535
Street Address	2165 HAAPALA RD
City	ELY
State	MN
Zip	55731-8205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0002 BLOCK:001 SERIAL #
Legal Subdivision	HOMERS LTS TOWN OF MORSE
Legal Block	1
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	2
Census Block	2076
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	PO BOX 600, ELY, MN 55731-0600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Deed of Trust, Mortgage FRANDSEN BK&TR
Aug 17, 2017	Deed of Trust, Mortgage · Line of Credit FRANDSEN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2165 HAAPALA RD, ELY, MN 55731-8205
Document Number	00T1034067
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple

Mortgage

Document Number	00T1034067
Date	Dec 22, 2020
Instrument	T1034067

Lender

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

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 21, 2035

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2165 HAAPALA RD, ELY, MN 55731-8205
Document Number	000T988904
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2165 HAAPALA RD ELY MN 55731, ELY, MN 55731

Mortgage

Document Number	000T988904
Date	Aug 22, 2017
Instrument	T988904

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 21, 2032

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	$1,070.00 (-2.55%) Homeowner's exemption
2025	$1,098.00 (+12.04%) Homeowner's exemption	$95,300 (-) Land $95,300	$95,300 (-) Land $95,300
2024	$980.00	$95,300 (+5.19%) Land $95,300	$95,300 (+5.19%) Land $95,300
2022		$90,600 Land $90,600	$90,600 Land $90,600

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	Moderate above 51% of the US · above 79% of Minnesota
Wildfire Likelihood	0.08% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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