31 W Harvey St, Ely, MN 55731 Property Records

St. Louis County property record for 31 W Harvey St, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 850 sqft · built 1929
Lot Size	0.195 acres (8,526 sqft)
Owner	Individual Name on Record
Last Sale	$69,000 (Oct 2007)
Tax Bill	$546 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-0260-01240`

Property Details

APN / Parcel Number

Primary APN	`030-0260-01240`
Alternative APN	`856928`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	850 sqft Gross Area
1st Floor Area	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Other
Construction Type	Frame
Lot Area	8,526 sqft (0.195 acres)
Garage Area	240 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	204 sqft
Deck Area	16 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	856928
Street Address	31 W HARVEY ST
City	ELY
State	MN
Zip	55731-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 20 FT OF LOT 9 AND ALL OF LOT 10 SERIAL #
Legal Subdivision	SEMERS ADD TO ELY
Legal Block	6
Legal Lot Number	9-10
Jurisdiction	ST LOUIS MN
Township / Civil Division	ELY
Census Block Group	2
Census Block	2029
Census Tract	15300

Owner

Source: St. Louis County records, as of October 9, 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	31 W HARVEY ST, ELY, MN 55731-1243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage ARROWHEAD ECONOMIC OPPORTUNITY
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage ARROWHEAD ECONOMIC OPPORTUNITY
Sep 14, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2007 · Amount on Record
Deed Sale	Oct 4, 2007 · Amount on Record
Prior Sale	Jan 29, 2003 · Amount on Record
Deed Document Number	20071064587
Prior Transfer Date	Jul 14, 2006
Prior Transfer Doc	0001026935
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	May 1, 2026
Property Address	31 W HARVEY ST, ELY, MN 55731-1243
Document Number	0001531857
Instrument Date	Apr 9, 2026
Instrument	20261531857
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 W HARVEY ST, ELY, MN 55731-1243

Mortgage

Document Number	0001531857,
Date	May 1, 2026
Instrument	20261531857

Lender

Name	ARROWHEAD ECONOMIC OPPORTUNITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 9, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	May 1, 2026
Property Address	31 W HARVEY ST, ELY, MN 55731-1243
Document Number	0001531859
Instrument Date	Apr 9, 2026
Instrument	20261531859
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 W HARVEY ST, ELY, MN 55731-1243

Mortgage

Document Number	0001531859,
Date	May 1, 2026
Instrument	20261531859

Lender

Name	ARROWHEAD ECONOMIC OPPORTUNITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 9, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	31 W HARVEY ST, ELY, MN 55731-1243
Document Number	00A1341609
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 W HARVEY ST ELY MN 557311243, ELY, MN 55731-1243

Mortgage

Document Number	00A1341609
Date	Sep 27, 2018
Instrument	A1341609

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Ely City
Unified School District	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$546.00 (+7.48%) Homeowner's exemption
2025	$508.00 (-26.38%) Homeowner's exemption	$97,700 (+7.72%) Land $12,900 Building $84,800	$97,700 (+7.72%) Land $12,900 Building $84,800
2024	$690.00	$90,700 (+6.58%) Land $12,300 Building $78,400	$90,700 (+6.58%) Land $12,300 Building $78,400
2022		$85,100 Land $11,300 Building $73,800	$85,100 Land $11,300 Building $73,800

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	1 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	Low lower than 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Ely serves 3,258 people · EPA ID MN1690014
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Fiber	5,000 / 5,000
Treehouse Broadband Fixed Wireless	1,000 / 1,000

May also be available: AT&T, CTC.

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