2221 Bear Island River Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2221 Bear Island River Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 352 sqft · built 2019
Lot Size	19 acres (830,689 sqft)
Owner	2 Individual Names on File
Last Sale	$29,900 (Jun 2017)
Tax Bill	$724 (2026)
Deeds & Mortgages	Mar 2020 Sale Jun 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`610-0010-00800`

Property Details

APN / Parcel Number

Primary APN	`610-0010-00800`
Alternative APN	`1032038`

Interior

Bedrooms	2 Beds
Total Rooms	2 Rooms
Stories	1 Story
Building Area	352 sqft Gross Area
1st Floor Area	320 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	830,689 sqft (19 acres)

Exterior Amenities

Porch	Patio
Porch Area	96 sqft
Deck Area	64 sqft
Storage Building	18 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1032038
Street Address	2221 BEAR ISLAND RIVER RD
City	ELY
State	MN
Zip	55731
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PART OF SW1/4 OF NE1/4 ASSUMING N LINEOF GOVT LOT 1 TO BEAR S89DEG44'28"E AND FROMNW COR OF LOT 1 BEING ALSO N1/4 COR OF
Legal Range	12W
Legal Township	61N
Legal Section	06
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIRCH LAKE
Census Block Group	2
Census Block	2093
Census Tract	15401

Owner

2221 Bear Island River Rd, a residential property, is owned by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2620 LINCOLN ST NE, MINNEAPOLIS, MN 55418-3044
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
Mar 13, 2020	Warranty Deed, Transfer NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO
Jun 12, 2017	Deed with Mortgage, Transfer · Conventional Mortgage ANDREW J & PAULA J HILL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on File
Deed Sale	Jun 12, 2017 · Amount on File
Deed Document Number	20171310912
Record Updated	Sep 20, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 13, 2020
Property Address	2221 BEAR ISLAND RIVER RD, ELY, MN 55731
Document Number	00A1375757
Instrument Date	Jul 22, 2019
Instrument	A1375757
Transaction Type	Transfer
Record Updated	Apr 7, 2020
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO

Transaction

Amount	Amount on Record
Tax	$99.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2620 LINCOLN ST NE MINNEAPOLIS MN 554183044, MINNEAPOLIS, MN 55418-3044

June 2017: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	ST LOUIS MN
Recording Date	Jun 12, 2017
Property Address	2221 BEAR ISLAND RIVER RD, ELY, MN 55731
Instrument Date	May 26, 2017
Instrument	A1310912
Transaction Type	Transfer
Record Updated	Jun 28, 2017
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2620 LINCOLN ST NE MINNEAPOLIS MN 554183044, MINNEAPOLIS, MN 55418-3044

Mortgage

Document Number	00A1310912
Date	Jun 12, 2017
Instrument	A1310912

Lender

Name	ANDREW J & PAULA J HILL
Address	2164 BEAR ISLAND RIVER RD, ELY, MN 55731
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Jun 11, 2019

Tax Assessment & Valuation

The 2026 property tax bill for 2221 Bear Island River Rd was $724, up 2% 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
Unified School District	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$724.00 (+1.97%)
2025	$710.00 (+8.56%)	$65,200 (+1.72%) Land $40,100 Building $25,100	$65,200 (+1.72%) Land $40,100 Building $25,100
2024	$654.00	$64,100 Land $40,100 Building $24,000	$64,100 Land $40,100 Building $24,000
2022		$53,200 Land $33,200 Building $20,000	$53,200 Land $33,200 Building $20,000

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

Flood

FEMA maps place 2221 Bear Island River Rd 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	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

Wildfire risk around 2221 Bear Island River Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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	0.1% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

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

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