2322 Bear Island River Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2322 Bear Island River Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.5 ba · 1,056 sqft · built 2008
Lot Size	39 acres (1,698,840 sqft)
Owner	Individual Name on Record
Last Sale	$112,000 (Dec 2020)
Tax Bill	$2,118 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`625-0010-00160`

Property Details

APN / Parcel Number

Primary APN	`625-0010-00160`
Alternative APN	`1101076`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,056 sqft Gross Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,698,840 sqft (39 acres)
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1101076
Street Address	2322 BEAR ISLAND RIVER RD
City	ELY
State	MN
Zip	55731
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOT 5 SERIAL #
Legal Range	13W
Legal Township	61N
Legal Section	01
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIRCH LAKE
Census Block Group	2
Census Block	2093
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	6235 DECATUR AVE N, MINNEAPOLIS, MN 55428-2652
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Prior Sale	Feb 13, 2003 · Amount on Record
Deed Document Number	20201397545
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 3, 2020
Property Address	2322 BEAR ISLAND RIVER RD, ELY, MN 55731
Document Number	00A1397545
Instrument Date	Nov 9, 2020
Instrument	A1397545
Transaction Type	Transfer
Record Updated	Dec 28, 2020
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
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	2322 BEAR ISLAND RIVER RD ELY MN 55731, ELY, MN 55731

Mortgage

Document Number	A1397546
Date	Dec 3, 2020
Instrument	A1397546

Lender

Name	FALCON NAT'L BK
Type	Bank
Address	FOLEY, MN 56329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 2, 2025

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	$2,118.00 (+2.32%)
2025	$2,070.00 (+48.28%)	$203,600 (-) Land $163,900 Building $39,700	$203,600 (-) Land $163,900 Building $39,700
2024	$1,396.00	$203,600 (+72.54%) Land $163,900 Building $39,700	$203,600 (+72.54%) Land $163,900 Building $39,700
2022		$118,000 Land $115,700 Building $2,300	$118,000 Land $115,700 Building $2,300

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 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

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

Wildfire Risk	Moderate above 50% of the US · above 78% 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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