2724 Bear Island River Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2724 Bear Island River Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 ba · 936 sqft · built 2006
Lot Size	0.679 acres (29,604 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Oct 2020)
Tax Bill	$3,134 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`625-0026-00620`

Property Details

APN / Parcel Number

Primary APN	`625-0026-00620`
Alternative APN	`1097080`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Gross Area
1st Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	29,604 sqft (0.679 acres)
Cabin	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1097080
Street Address	2724 BEAR ISLAND RIVER RD
City	ELY
State	MN
Zip	55731-8310
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOT: 0045 BLOCK:002 SERIAL #
Legal Subdivision	LAHTI LAND FIRST ADD TO
Legal Block	2
Legal Lot Number	45
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIRCH LAKE
Census Block Group	2
Census Block	2092
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	701 4TH ST NE, 107, MINNEAPOLIS, MN 55413-2018
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHVIEW BANK
Oct 1, 2020	Warranty Deed, Transfer · Line of Credit NORTHVIEW BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Prior Sale	Aug 13, 2003 · Amount on Record
Deed Document Number	20201391781
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2724 BEAR ISLAND RIVER RD, ELY, MN 55731-8310
Transaction Type	Mortgage
Record Updated	Feb 11, 2022
Title Company	ITASCA COUNTY ABSTRACT, ITASCA COUNTY ABSTRAC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001431702
Date	Dec 6, 2021
Instrument	1431702

Lender

Name	NORTHVIEW BANK
Type	Bank
Address	FINLAYSON, MN 55735

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 1, 2020
Property Address	2724 BEAR ISLAND RIVER RD, ELY, MN 55731-8310
Document Number	00A1391781
Instrument Date	Sep 16, 2020
Instrument	A1391781
Transaction Type	Transfer
Record Updated	Oct 15, 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	$855.00
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	701 N 4TH ST #107 MINNEAPOLIS MN 55401, 107, MINNEAPOLIS, MN 55401

Mortgage

Document Number	A1391782
Date	Oct 1, 2020
Instrument	A1391782

Lender

Name	NORTHVIEW BK
Type	Bank
Address	GRAND RAPIDS, MN 55744

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 30, 2025

Interest

Rate Type	Adjustable Rate

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	$3,134.00 (+1.89%)
2025	$3,076.00 (+24.03%)	$306,800 (+4.5%) Land $146,700 Building $160,100	$306,800 (+4.5%) Land $146,700 Building $160,100
2024	$2,480.00	$293,600 (+40.55%) Land $143,500 Building $150,100	$293,600 (+40.55%) Land $143,500 Building $150,100
2022		$208,900 Land $105,100 Building $103,800	$208,900 Land $105,100 Building $103,800

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 100 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

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

Wildfire Risk	Low lower than 62% of the US · above 66% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 22 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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