2165 Hwy 169, Ely, MN 55731 Property Records

St. Louis County property record for 2165 Hwy 169, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,862 sqft · built 2010
Lot Size	4.4 acres (191,664 sqft)
Owner	2 Individual Names on File
Last Sale	$759,000 (Jul 2024)
Tax Bill	$8,456 (2026)
Deeds & Mortgages	Aug 2020 Mortgage May 2017 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`465-0020-04382`

Property Details

APN / Parcel Number

Primary APN	`465-0020-04382`
Alternative APNs	`1124994` `1168689`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,862 sqft Gross Area
1st Floor Area	2,714 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Lot Area	191,664 sqft (4.4 acres)
Garage Area	672 sqft

Exterior Amenities

Porch	Slab
Porch Area	701 sqft
Deck Area	228 sqft
Storage Building	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1168689
Street Address	2165 HIGHWAY 169
City	ELY
State	MN
Zip	55731-8380
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	THAT PART OF LOT 1 ASSUMING S LINE TO BEARN87DEG49'25"E & FROM SE COR BEING ALSO E1/4COR OF SEC 31 RUN N66DEG02'42"W 869.08
Legal Range	12W
Legal Township	63N
Legal Section	31
Legal Subdivision	MORSE TOWN OF
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	1
Census Block	1023
Census Tract	15401

Owner

2165 Hwy 169 is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2165 HIGHWAY 169, ELY, MN 55731-8380
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Deed of Trust, Mortgage · Conventional with PMI SUMMIT MTG CORP
May 5, 2017	Grant Deed, Transfer · Conventional Mortgage BAY EQUITY
May 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2024 · Amount on File
Deed Sale	Jul 23, 2024 · Amount on File
Deed Document Number	20241492079
Prior Transfer Date	Apr 13, 2015
Prior Transfer Doc	0001258958
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2165 HIGHWAY 169, ELY, MN 55731-8380
Document Number	00A1389302
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2165 HIGHWAY 169 ELY MN 557318380, ELY, MN 55731-8380

Mortgage

Document Number	00A1389302
Date	Sep 2, 2020
Instrument	A1389302

Lender

Name	SUMMIT MTG CORP
Address	PLYMOUTH, MN 55441

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 5, 2017
Property Address	2165 HIGHWAY 169, ELY, MN 55731-8380
Document Number	00A1308674
Instrument Date	Apr 17, 2017
Instrument	A1308674
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1206 BAYARD AVE ST PAUL MN 551161650, ST PAUL, MN 55116-1650

Mortgage

Document Number	A1308675
Date	May 5, 2017
Instrument	A1308675

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 4, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 5, 2017
Property Address	2165 HIGHWAY 169, ELY, MN 55731-8380
Document Number	00A1308672
Instrument Date	Mar 30, 2017
Instrument	A1308672
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 2165 Hwy 169 was $8,456, up 15% from the year before.

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	$8,456.00 (+15.02%)
2025	$7,352.00 (+4.76%)	$815,200 (+13.14%) Land $291,500 Building $523,700	$815,200 (+13.14%) Land $291,500 Building $523,700
2024	$7,018.00	$720,500 Land $269,700 Building $450,800	$720,500 Land $269,700 Building $450,800
2022		$595,200 Land $226,100 Building $369,100	$595,200 Land $226,100 Building $369,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2165 Hwy 169 in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 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

Wildfire risk around 2165 Hwy 169 is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 88% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Treehouse Broadband Fixed Wireless	598 / 196

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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