2842 Cedar Lake Rd, Ely, MN 55731 Property Records

St. Louis County property record for 2842 Cedar Lake Rd, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,544 sqft · built 1974
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$38,000 (Mar 2003)
Tax Bill	$2,726 (2026)
Deeds & Mortgages	Jun 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`465-0020-03711`

Property Details

APN / Parcel Number

Primary APN	`465-0020-03711`
Alternative APN	`53500`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,544 sqft Gross Area
1st Floor Area	1,544 sqft
Basement Area	772 sqft
Finished Basement	772 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	435,600 sqft (10 acres)
Garage Area	1,740 sqft
Deck Area	64 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Wood

Location & Zoning

Account Number	53500
Street Address	2842 CEDAR LAKE RD
City	ELY
State	MN
Zip	55731-8106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNS
Legal Description	NE1/4 OF SW1/4 OF NW1/4 SERIAL #
Legal Range	12W
Legal Township	63N
Legal Section	24
Legal Subdivision	MORSE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	1
Census Block	1007
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	2842 CEDAR LAKE RD, ELY, MN 55731-8106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2003 · Amount on Record
Deed Sale	Mar 5, 2003 · Amount on Record
Deed Document Number	2003888762
Last Transfer Date	Feb 20, 2024
Transfer Doc	0001483552
Record Updated	Sep 20, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	2842 CEDAR LAKE RD, ELY, MN 55731-8106
Document Number	00A1384845
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2842 CEDAR LAKE RD ELY MN 557318106, ELY, MN 55731-8106

Mortgage

Document Number	00A1384845
Date	Jul 13, 2020
Instrument	A1384845

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	ELY, MN 55731

Agreement

Term	60 Months
Due	Jul 12, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Morse Township
Unified School District	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,726.00 (+0.96%) Homeowner's exemption
2025	$2,700.00 (-4.26%) Homeowner's exemption	$397,200 (+15.13%) Land $71,200 Building $326,000	$397,200 (+15.13%) Land $71,200 Building $326,000
2024	$2,820.00	$345,000 (+19.13%) Land $67,100 Building $277,900	$345,000 (+19.13%) Land $67,100 Building $277,900
2022		$289,600 Land $55,500 Building $234,100	$289,600 Land $55,500 Building $234,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 77% of the US · above 91% of Minnesota
Wildfire Likelihood	0.3% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Treehouse Broadband Fixed Wireless	900 / 500
Frontier DSL	90 / 5

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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