2397 Hwy 1, Ely, MN 55731 Property Records

St. Louis County property record for 2397 Hwy 1, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,687 sqft
Lot Size	28 acres (1,223,165 sqft)
Owner	Individual Name on Record
Last Sale	$132,500 (Apr 2017)
Tax Bill	$140 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`465-0020-05015`

Property Details

APN / Parcel Number

Primary APN	`465-0020-05015`
Alternative APN	`1028297`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,687 sqft Gross Area
1st Floor Area	1,187 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	1,223,165 sqft (28 acres)
Garage Area	1,466 sqft

Exterior Amenities

Porch	Patio
Porch Area	408 sqft
Storage Building	280 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Wood

Location & Zoning

Account Number	1028297
Street Address	2397 HIGHWAY 1
City	ELY
State	MN
Zip	55731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	NE1/4 OF SE1/4, EXCEPT THE SOUTHERLY 363 FEETSUBJECT TO EASEMENT FOR HIGHWAY PURPOSES SERIAL #
Legal Range	12W
Legal Township	63N
Legal Section	34
Legal Subdivision	MORSE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	1
Census Block	1054
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	2401 HIGHWAY 1, ELY, MN 55731-8164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Dec 23, 2017	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG
Apr 5, 2017	Grant Deed, Transfer · VA Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2017 · Amount on Record
Deed Sale	Apr 5, 2017 · Amount on Record
Deed Document Number	20171306887
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2401 HIGHWAY 1, ELY, MN 55731-8164
Document Number	00A1384510
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 HIGHWAY 1 ELY MN 557318164, ELY, MN 55731-8164

Mortgage

Document Number	00A1384510
Date	Jul 8, 2020
Instrument	A1384510

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jul 7, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2401 HIGHWAY 1, ELY, MN 55731-8164
Document Number	00A1325348
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 18, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 HIGHWAY 1 ELY MN 557318164, ELY, MN 55731-8164

Mortgage

Document Number	00A1325348
Date	Jan 4, 2018
Instrument	A1325348

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2048

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 5, 2017
Property Address	2401 HIGHWAY 1, ELY, MN 55731-8164
Document Number	00A1306887
Instrument Date	Mar 31, 2017
Instrument	A1306887
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$437.25
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 HIGHWAY 1 ELY MN 557318164, ELY, MN 55731-8164

Mortgage

Document Number	A1306888
Date	Apr 5, 2017
Instrument	A1306888

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	EDEN PRAIRIE, MN 55344

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2047

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	$140.00 (-90.81%) Homeowner's exemption
2025	$1,524.00 (+0.26%) Homeowner's exemption	$268,400 (+15.84%) Land $89,600 Building $178,800	$268,400 (+15.84%) Land $89,600 Building $178,800
2024	$1,520.00	$231,700 (+31.57%) Land $79,100 Building $152,600	$231,700 (+31.57%) Land $79,100 Building $152,600
2022		$176,100 Land $43,700 Building $132,400	$176,100 Land $43,700 Building $132,400

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	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

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

Wildfire Risk	Moderate above 55% of the US · above 81% 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Fiber	5,000 / 5,000
Treehouse Broadband Fixed Wireless	900 / 500
T-Mobile Fixed Wireless	100 / 20

May also be available: Zito Media.

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