3120 Wolf Lake Ln, Ely, MN 55731 Property Records

St. Louis County property record for 3120 Wolf Lake Ln, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,080 sqft · built 1983
Lot Size	1.57 acres (68,389 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,614 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`465-0030-00764`

Property Details

APN / Parcel Number

Primary APN	`465-0030-00764`
Alternative APN	`518387`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,080 sqft Gross Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Finished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	68,389 sqft (1.57 acres)
Garage Area	1,116 sqft

Exterior Amenities

Porch	Slab
Porch Area	524 sqft
Deck Area	300 sqft
Storage Building	25 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	518387
Street Address	3120 WOLF LAKE LN
City	ELY
State	MN
Zip	55731-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	THAT PART OF LOT 9 BEG ON N LINE 867.70 FT WOF NE COR THENCE E 267.17 FT THENCE S 225 FTTHENCE W 230 FT TO SHORELINE OF WOLF
Legal Range	13W
Legal Township	62N
Legal Section	05
Legal Subdivision	MORSE TOWN OF
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	MORSE
Census Block Group	2
Census Block	2058
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	2 Individual Names on Record
Mailing Address	3120 WOLF LAKE LN, ELY, MN 55731-2703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage ELY AREA CU
Oct 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 4, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3120 WOLF LAKE LN, ELY, MN 55731-2703
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3120 WOLF LAKE LN, ELY, MN 55731-2703

Mortgage

Document Number	0001097264
Date	Dec 16, 2025
Instrument	1097264

Lender

Name	ELY AREA CU
Type	Credit Union
Address	ELY, MN 55731

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2040

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3120 WOLF LAKE LN, ELY, MN 55731-2703
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001062861
Date	Oct 27, 2022
Instrument	1062861

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	May 1, 2052

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3120 WOLF LAKE LN, ELY, MN 55731-2703
Document Number	0001006872
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3120 WOLF LAKE LN ELY MN 557312703, ELY, MN 55731-2703

Mortgage

Document Number	0001006872
Date	Jan 11, 2019
Instrument	1006872

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2049

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	$2,614.00 (+0.54%) Homeowner's exemption
2025	$2,600.00 (+1.01%) Homeowner's exemption	$346,700 (+3.46%) Land $112,400 Building $234,300	$346,700 (+3.46%) Land $112,400 Building $234,300
2024	$2,574.00	$335,100 (+9.47%) Land $112,400 Building $222,700	$335,100 (+9.47%) Land $112,400 Building $222,700
2022		$306,100 Land $107,300 Building $198,800	$306,100 Land $107,300 Building $198,800

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	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

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

Wildfire Risk	Moderate above 63% of the US · above 85% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

May also be available: AT&T, Treehouse Broadband.

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