2680 Bear Island River Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2680 Bear Island River Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 2,752 sqft · built 1993
Lot Size	1.19 acres (51,911 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Aug 2017)
Tax Bill	$8,054 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Feb 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`625-0026-00520`

Property Details

APN / Parcel Number

Primary APN	`625-0026-00520`
Alternative APN	`1036239`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,752 sqft Gross Area
1st Floor Area	1,728 sqft
Basement Area	384 sqft
Finished Basement	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Lot Area	51,911 sqft (1.19 acres)

Exterior Amenities

Porch	Patio
Porch Area	182 sqft
Deck Area	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1036239
Street Address	2680 BEAR ISLAND RIVER RD
City	ELY
State	MN
Zip	55731-8309
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOT: 0035 BLOCK:002 SERIAL #
Legal Subdivision	FIRST ADDITION TO LAHTI LAND
Legal Block	2
Legal Lot Number	35
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIRCH LAKE
Census Block Group	2
Census Block	2092
Census Tract	15401

Owner

2680 Bear Island River Rd, a residential property, is owned by an individual who acquired it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1925 125TH LN NE, MINNEAPOLIS, MN 55449-4964
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
Dec 15, 2020	Grant Deed, Transfer ALERUS MTG
Feb 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 18, 2017	Grant Deed, Transfer · Conventional Mortgage ALERUS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2017 · Amount on File
Deed Sale	Aug 18, 2017 · Amount on File
Deed Document Number	20171315764
Last Transfer Date	Dec 2, 2020
Transfer Doc	0001398618
Record Updated	Sep 20, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 15, 2020
Property Address	2680 BEAR ISLAND RIVER RD, ELY, MN 55731-8309
Document Number	00A1398618
Instrument Date	Dec 2, 2020
Instrument	A1398618
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGCY LLC

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2680 BEAR ISLAND RIVER RD ELY MN 557318309, ELY, MN 55731-8309

Mortgage

Document Number	A1398619
Date	Dec 15, 2020
Instrument	A1398619

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2050

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 7, 2018
Property Address	2680 BEAR ISLAND RIVER RD, ELY, MN 55731-8309
Document Number	00A1327334
Instrument Date	Jan 22, 2018
Instrument	A1327334
Transaction Type	Transfer
Record Updated	Mar 5, 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	1925 125TH LN NE BLAINE MN 554494964, BLAINE, MN 55449-4964

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 18, 2017
Property Address	2680 BEAR ISLAND RIVER RD, ELY, MN 55731-8309
Document Number	00A1315764
Instrument Date	Aug 11, 2017
Instrument	A1315764
Transaction Type	Transfer
Record Updated	Aug 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1925 125TH LN NE BLAINE MN 554494964, BLAINE, MN 55449-4964

Mortgage

Document Number	A1315765
Date	Aug 18, 2017
Instrument	A1315765

Lender

Name	ALERUS MTG
Type	Mortgage Company
Address	MINNETONKA, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2680 Bear Island River Rd was $8,054, up 1.8% 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	$8,054.00 (+1.85%)
2025	$7,908.00 (+29.51%)	$708,700 (-) Land $153,600 Building $555,100	$708,700 (-) Land $153,600 Building $555,100
2024	$6,106.00	$708,700 Land $153,600 Building $555,100	$708,700 Land $153,600 Building $555,100
2022		$497,500 Land $113,300 Building $384,200	$497,500 Land $113,300 Building $384,200

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

Flood

FEMA maps place 2680 Bear Island River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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 2680 Bear Island River Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 67% of Minnesota
Wildfire Likelihood	0.04% 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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