2444 Clark Lake Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2444 Clark Lake Rd, Ely, MN 55731

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	4 bd · 2.5 ba · 1,688 sqft · built 2020
Lot Size	1.25 acres (54,450 sqft)
Owner	Company Name on Record
Tax Bill	$5,074 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`652-0010-05430`

Property Details

APN / Parcel Number

Primary APN	`652-0010-05430`
Alternative APN	`1120575`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,688 sqft Gross Area
1st Floor Area	1,688 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Exterior Material	Metal
Construction Type	Frame
Lot Area	54,450 sqft (1.25 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Cabin	240 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1120575
Street Address	2444 CLARK LAKE RD
City	ELY
State	MN
Zip	55731-2706
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	RES
Legal Description	PART OF G.L.2 COMM AT SW COR THENCE N02DEG55'58"W 1035.99 FT TO PT OF BEGTHENCE CONT A LONG W LINE 104.70 FTTHENCE
Legal Range	14W
Legal Township	63N
Legal Section	36
Jurisdiction	ST LOUIS MN
Township / Civil Division	NORTHEAST ST. LOUIS
Census Block Group	1
Census Block	1237
Census Tract	15502

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	Company Name on Record
Mailing Address	2444 CLARK LAKE RD, ELY, MN 55731-2706
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage WESTERN NATIONAL BANK
Nov 15, 2019	Trustee's Deed, Construction Loan · Construction Mortgage WESTERN NAT'L BK
Jul 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 18, 2018
Transfer Doc	0001000683
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2444 CLARK LAKE RD, ELY, MN 55731-2706
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001038605
Date	Mar 31, 2021
Instrument	1038605

Lender

Name	WESTERN NATIONAL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 15, 2019
Property Address	2444 CLARK LAKE RD, ELY, MN 55731-2706
Instrument Date	Nov 8, 2019
Instrument	T1017567
Transaction Type	Construction Loan
Record Updated	Dec 23, 2019
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2444 CLARK LAKE RD ELY MN 55731, ELY, MN 55731

Mortgage

Document Number	00T1017567
Date	Nov 15, 2019
Instrument	T1017567

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 14, 2020

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 26, 2018
Property Address	2444 CLARK LAKE RD, ELY, MN 55731-2706
Document Number	00A1000682
Instrument Date	Jul 18, 2018
Instrument	A1000682
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3690 DANA RD HERMANTOWN MN 558113704, HERMANTOWN, MN 55811-3704

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 26, 2018
Property Address	2444 CLARK LAKE RD, ELY, MN 55731-2706
Document Number	00A1000683
Instrument Date	Jul 18, 2018
Instrument	A1000683
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3690 DANA RD HERMANTOWN MN 558113704, HERMANTOWN, MN 55811-3704

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	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,074.00 (+26.72%) Homeowner's exemption
2025	$4,004.00 (+1.99%) Homeowner's exemption	$406,700 (+18.02%) Land $151,000 Building $255,700	$406,700 (+18.02%) Land $151,000 Building $255,700
2024	$3,926.00	$344,600 (-16.34%) Land $131,800 Building $212,800	$344,600 (-16.34%) Land $131,800 Building $212,800
2022		$411,900 Land $106,300 Building $305,600	$411,900 Land $106,300 Building $305,600

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 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	High above 73% of the US · above 89% 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 5 locations within half a mile, as of December 31, 2025

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

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