3098 Harder Cartway, Ely, MN 55731 Property Records

St. Louis County property record for 3098 Harder Cartway, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 876 sqft · built 1985
Lot Size	6.1 acres (265,716 sqft)
Owner	Individual Name on File
Tax Bill	$1,114 (2026)
Flood Zone	Zone X (minimal risk)
APN	`465-0030-00758`

Property Details

APN / Parcel Number

Primary APN	`465-0030-00758`
Alternative APN	`136856`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	876 sqft Gross Area
1st Floor Area	876 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Lot Area	265,716 sqft (6.1 acres)
Porch	Slab
Storage Building	136 sqft

Utilities, Heating & Cooling

Heating Fuel	Propane

Location & Zoning

Account Number	136856
Street Address	3098 HARDER CARTWAY
City	ELY
State	MN
Zip	55731-8054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF GOVT LOTS 1 AND 2 DESC ASFOLLOWS: ASSUMING THE S LINE OF GOVT LOT 1OF SEC 5 TO BEAR N90DEG00'00"W AND FROM
Legal Range	13W
Legal Township	62N
Legal Section	05
Legal Subdivision	MORSE TOWN OF
Legal Lot Number	2,1O
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	2
Census Block	2058
Census Tract	15401

Owner

3098 Harder Cartway is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 652, TOWER, MN 55790-0652
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 3098 Harder Cartway was $1,114 with a homeowner's exemption, down 3.8% from the year before.

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	$1,114.00 (-3.8%) Homeowner's exemption
2025	$1,158.00 (-15.6%) Homeowner's exemption	$195,300 (+0.77%) Land $165,800 Building $29,500	$195,300 (+0.77%) Land $165,800 Building $29,500
2024	$1,372.00	$193,800 Land $165,800 Building $28,000	$193,800 Land $165,800 Building $28,000
2022		$186,800 Land $158,300 Building $28,500	$186,800 Land $158,300 Building $28,500

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

Flood

FEMA maps place 3098 Harder Cartway in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 3098 Harder Cartway is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · above 83% of Minnesota
Wildfire Likelihood	0.1% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1