2776 Bear Island River Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2776 Bear Island River Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1.5 ba · 1,544 sqft · built 1992
Lot Size	1 acres (43,808 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Jul 2023)
Tax Bill	$4,290 (2026)
Deeds & Mortgages	Jul 2023 Sale Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`625-0026-00800`

Property Details

APN / Parcel Number

Primary APN	`625-0026-00800`
Alternative APNs	`1055145` `1151680`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,544 sqft Gross Area
1st Floor Area	1,544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	43,808 sqft (1 acres)
Garage Area	1,152 sqft
Deck Area	176 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1151680
Street Address	2776 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: 0063 BLOCK:002 SERIAL #
Legal Subdivision	FIRST ADDITION TO LAHTI LAND
Legal Block	2
Legal Lot Number	63
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	3031 MALAXIS LN, RICHMOND, TX 77469-2021
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed, Transfer NORTHEAST TITLE COMPANY
Sep 27, 2022	Intrafamily Transfer, Transfer
Sep 17, 2018	Deed of Trust, Mortgage · Line of Credit STATE BK/FARIBAULT
Jul 26, 2018	Grant Deed, Transfer NORTHEAST TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2023 · Amount on Record
Deed Sale	Jul 21, 2023 · Amount on Record
Prior Sale	Jul 26, 2018 · Amount on Record
Deed Document Number	20231470495
Prior Transfer Date	Aug 22, 2022
Prior Transfer Doc	0001452982
Record Updated	Sep 20, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 21, 2023
Property Address	2776 BEAR ISLAND RIVER RD, ELY, MN 55731-8310
Document Number	0001470495
Instrument Date	Jul 7, 2023
Instrument	1470495
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,419.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3031 MALAXIS LN, RICHMOND, TX 77469-2021

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Sep 27, 2022
Property Address	2776 BEAR ISLAND RIVER RD, ELY, MN 55731-8310
Document Number	0001452982
Instrument Date	Aug 22, 2022
Instrument	1452982
Transaction Type	Transfer
Record Updated	Oct 2, 2023

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	Revocable Trust
Address	20223 FORTUNE CREEK TRL, FARIBAULT, MN 55021-7506

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2776 BEAR ISLAND RIVER RD, ELY, MN 55731-8310
Document Number	00A1341092
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	PO BOX 1302 FARIBAULT MN 550211302, FARIBAULT, MN 55021-1302

Mortgage

Document Number	00A1341092
Date	Sep 19, 2018
Instrument	A1341092

Lender

Name	STATE BK/FARIBAULT
Type	Bank
Address	FARIBAULT, MN 55021-5217

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 18, 2028

Interest

Rate Type	Adjustable Rate

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 26, 2018
Property Address	2776 BEAR ISLAND RIVER RD, ELY, MN 55731-8310
Document Number	00A1337310
Instrument Date	Jul 23, 2018
Instrument	A1337310
Transaction Type	Transfer
Record Updated	Aug 14, 2018
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$676.50
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	20223 FORTUNE CREEK TRL FARIBAULT MN 550217506, FARIBAULT, MN 55021-7506

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	$4,290.00 (+1.9%)
2025	$4,210.00 (+29.38%)	$403,400 (-) Land $148,800 Building $254,600	$403,400 (-) Land $148,800 Building $254,600
2024	$3,254.00 (+14.42%)	$403,400 (+62.99%) Land $148,800 Building $254,600	$403,400 (+62.99%) Land $148,800 Building $254,600
2023	$2,844.00
2022		$247,500 (+12.65%) Land $108,900 Building $138,600	$247,500 (+12.65%) Land $108,900 Building $138,600
2021		$219,700 Land $103,500 Building $116,200	$219,700 Land $103,500 Building $116,200

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 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

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

Wildfire Risk	Moderate above 43% of the US · above 73% of Minnesota
Wildfire Likelihood	0.03% 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 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

4G LTE (outdoors only), no 5G reported

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