2732 Bear Island River Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2732 Bear Island River Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1 ba · 1,296 sqft · built 2006
Lot Size	0.553 acres (24,103 sqft)
Owner	Individual Name on Record
Last Sale	$510,000 (Oct 2021)
Tax Bill	$4,654 (2026)
Deeds & Mortgages	Oct 2021 Transfer Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`625-0026-00640`

Property Details

APN / Parcel Number

Primary APN	`625-0026-00640`
Alternative APN	`1119204`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,296 sqft Gross Area
1st Floor Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Lot Area	24,103 sqft (0.553 acres)
Deck Area	200 sqft
Storage Building	42 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1119204
Street Address	2732 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: 0047 BLOCK:002 SERIAL #
Legal Subdivision	LAHTI LAND FIRST ADD TO
Legal Block	2
Legal Lot Number	47
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	18541 LONG LAKE RD, RICHMOND, MN 56368-8585
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Oct 18, 2021	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2021 · Amount on Record
Deed Sale	Oct 18, 2021 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Document Number	20211427573
Prior Transfer Date	Sep 30, 2021
Prior Transfer Doc	0001427572
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Oct 18, 2021
Property Address	2732 BEAR ISLAND RIVER RD, ELY, MN 55731
Document Number	0001427572
Instrument Date	Sep 30, 2021
Instrument	1427572
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2732 BEAR ISLAND RIVER RD, ELY, MN 55731

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 18, 2021
Property Address	2732 BEAR ISLAND RIVER RD, ELY, MN 55731
Document Number	0001427573
Instrument Date	Sep 30, 2021
Instrument	1427573
Transaction Type	Transfer
Record Updated	Dec 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,683.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18541 LONG LAKE RD, RICHMOND, MN 56368-8585

Mortgage

Document Number	0001427574
Date	Oct 18, 2021
Instrument	1427574

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

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

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 22, 2017
Property Address	2732 BEAR ISLAND RIVER RD, ELY, MN 55731
Document Number	00A1306126
Instrument Date	Feb 10, 2017
Instrument	A1306126
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate

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	$4,654.00 (+1.88%)
2025	$4,568.00 (+23.93%)	$437,900 (-) Land $173,100 Building $264,800	$437,900 (-) Land $173,100 Building $264,800
2024	$3,686.00	$437,900 (+40.76%) Land $173,100 Building $264,800	$437,900 (+40.76%) Land $173,100 Building $264,800
2022		$311,100 Land $127,900 Building $183,200	$311,100 Land $127,900 Building $183,200

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)

Nearby Properties on Bear Island River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures