2889 Waters Island, Ely, MN 55731 Property Records

St. Louis County property record for 2889 Waters Island, Ely, MN 55731 · Last verified August 2026

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1 ba · 1,122 sqft · built 1978
Lot Size	2.7 acres (117,612 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jun 2002)
Tax Bill	$6,638 (2026)
Deeds & Mortgages	Oct 2021 Transfer Sep 2018 Transfer + 1 more
Flood Zone	Zone A (high risk)
APN	`465-0040-03392`

Property Details

APN / Parcel Number

Primary APN	`465-0040-03392`
Alternative APN	`1049662`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,122 sqft Gross Area
1st Floor Area	792 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	117,612 sqft (2.7 acres)
Deck Area	78 sqft
Storage Building	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	1049662
Street Address	2889 WATERS IS
City	ELY
State	MN
Zip	55731
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PART OF GOVT LOT 4, DESCRIBED ASFOLLOWS: COMMENCING AT THE MEANDER CORNER ONTHE WEST SECTION LINE OF SAID SECTION ON
Legal Range	13W
Legal Township	63N
Legal Section	22
Legal Subdivision	MORSE TOWN OF
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	2
Census Block	2023
Census Tract	15401

Owner

Source: St. Louis County records · APN 465-0040-03392

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	9182 KILBURY AVE NW, ANNANDALE, MN 55302-2945
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Intrafamily Transfer, Transfer
Sep 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 13, 2002 · Amount on Record
Deed Sale	Jun 13, 2002 · Amount on Record
Deed Document Number	2002859142
Last Transfer Date	Sep 24, 2021
Transfer Doc	0001428000
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Oct 22, 2021
Property Address	2889 WATERS IS, ELY, MN 55731
Document Number	0001428000
Instrument Date	Sep 24, 2021
Instrument	1428000
Transaction Type	Transfer
Record Updated	Oct 02, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9182 KILBURY AVE NW, ANNANDALE, MN 55302-2945

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 21, 2018
Property Address	2889 WATERS IS, ELY, MN 55731
Document Number	00A1341214
Instrument Date	Aug 01, 2018
Instrument	A1341214
Transaction Type	Transfer
Record Updated	Oct 01, 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
Address	9182 KILBURY AVE NW ANNANDALE MN 553022945, ANNANDALE, MN 55302-2945

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 20, 2018
Property Address	2889 WATERS IS, ELY, MN 55731
Document Number	00A1331364
Instrument Date	Apr 06, 2018
Instrument	A1331364
Transaction Type	Transfer
Record Updated	May 01, 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	9182 KILBURY AVE NW ANNANDALE MN 553022945, ANNANDALE, MN 55302-2945

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,638.00 (+18.71%)
2025	$5,592.00 (+4.92%)	$668,400 (+16.1%) Land $505,500 Building $162,900	$668,400 (+16.1%) Land $505,500 Building $162,900
2024	$5,330.00	$575,700 (+22.75%) Land $440,200 Building $135,500	$575,700 (+22.75%) Land $440,200 Building $135,500
2022		$469,000 Land $353,100 Building $115,900	$469,000 Land $353,100 Building $115,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370154012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low above 36% of the US · above 64% of Minnesota
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Frontier	DSL	10 / 1
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Treehouse Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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