3522 Cloquet Line, Ely, MN 55731 Property Records

St. Louis County property record for 3522 Cloquet Line, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 864 sqft · built 1989
Lot Size	17.2 acres (751,410 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jan 2021)
Tax Bill	$3,420 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`613-0010-05370`

Property Details

APN / Parcel Number

Primary APN	`613-0010-05370`
Alternative APN	`1056141`

Interior

Bedrooms	2 Beds
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	751,410 sqft (17.2 acres)
Deck Area	20 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating Fuel	Wood

Location & Zoning

Account Number	1056141
Street Address	3522 CLOQUET LINE
City	ELY
State	MN
Zip	55731
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOT 1 SERIAL #
Legal Range	12W
Legal Township	64N
Legal Section	36
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	NORTHEAST ST. LOUIS
Census Block Group	1
Census Block	1211
Census Tract	15502

Owner

Source: St. Louis County records · APN 613-0010-05370

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	3550 CROSBY RD, CLOQUET, MN 55720-9293
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 12, 2021 · Amount on Record
Deed Sale	Jan 12, 2021 · Amount on Record
Deed Document Number	20211400917
Record Updated	Sep 20, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 12, 2021
Property Address	3522 CLOQUET LINE, ELY, MN 55731
Document Number	00A1400917
Instrument Date	Oct 30, 2020
Instrument	A1400917
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	UP N TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3550 CROSBY RD CLOQUET MN 557209293, CLOQUET, MN 55720-9293

Mortgage

Document Number	A1400918
Date	Jan 12, 2021
Instrument	A1400918

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 11, 2036

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
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	$3,420.00 (+3.45%)
2025	$3,306.00 (+6.17%)	$320,800 (+2.49%) Land $273,600 Building $47,200	$320,800 (+2.49%) Land $273,600 Building $47,200
2024	$3,114.00	$313,000 (+6.25%) Land $273,600 Building $39,400	$313,000 (+6.25%) Land $273,600 Building $39,400
2022		$294,600 Land $258,900 Building $35,700	$294,600 Land $258,900 Building $35,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force

Wildfire

Wildfire Risk	High above 75% of the US · above 90% of Minnesota
Wildfire Likelihood	0.2% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Based on FCC filings for 1 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Cloquet Line

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