2928 Waters Island, Ely, MN 55731 Property Records

St. Louis County property record for 2928 Waters Island, Ely, MN 55731 · Last verified August 2026

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 903 sqft
Lot Size	15.6 acres (679,536 sqft)
Owner	Individual Name on File
Tax Bill	$10,946 (2026)
Deeds & Mortgages	Nov 2020 Sale Nov 2020 Sale
Flood Zone	Zone A (high risk)
APN	`465-0040-03236`

Property Details

APN / Parcel Number

Primary APN	`465-0040-03236`
Alternative APN	`1072411`

Interior

Bedrooms	2 Beds
Total Rooms	2 Rooms
Stories	1 Story
Building Area	903 sqft Gross Area
1st Floor Area	903 sqft

Exterior

Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	679,536 sqft (15.6 acres)

Exterior Amenities

Porch	Patio
Porch Area	90 sqft
Deck Area	108 sqft
Cabin	1,080 sqft
Storage Building	36 sqft
Sauna	Sauna
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1072411
Street Address	2928 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 MEANDER CORNER NO. 40ON THE EAST LINE OF SAID SECTION 21;
Legal Range	13W
Legal Township	63N
Legal Section	21
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 465-0040-03236

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	1430 E WHITE ST, ELY, MN 55731-1839
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 16, 2020	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Nov 02, 2020
Transfer Doc	00A1395963
Record Updated	Sep 20, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 16, 2020
Property Address	2928 WATERS IS, ELY, MN 55731
Document Number	00A1395962
Instrument Date	Nov 02, 2020
Instrument	A1395962
Transaction Type	Transfer
Record Updated	Dec 09, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1430 E WHITE ST ELY MN 557311839, ELY, MN 55731-1839

November 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 16, 2020
Property Address	2928 WATERS IS, ELY, MN 55731
Document Number	00A1395963
Instrument Date	Nov 02, 2020
Instrument	A1395963
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1430 E WHITE ST ELY MN 557311839, ELY, MN 55731-1839

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	$10,946.00 (+18.31%)
2025	$9,252.00 (+33.74%)	$1,135,600 (+16.2%) Land $852,400 Building $283,200	$1,135,600 (+16.2%) Land $852,400 Building $283,200
2024	$6,918.00	$977,300 (+55.4%) Land $741,500 Building $235,800	$977,300 (+55.4%) Land $741,500 Building $235,800
2022		$628,900 Land $426,600 Building $202,300	$628,900 Land $426,600 Building $202,300

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 7% of the US · above 21% of Minnesota
Wildfire Likelihood	About 1 in 10,000 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 1 locations within about half a mile of this property, a small sample

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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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