3531 Hwy 99, Aurora, MN 55705 Property Records

St. Louis County property record for 3531 Hwy 99, Aurora, MN 55705

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,148 sqft · built 1978
Lot Size	32.5 acres (1,415,700 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Mar 2009)
Tax Bill	$3,576 (2026)
Deeds & Mortgages	Dec 2025 Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`570-0012-04870`

Property Details

APN / Parcel Number

Primary APN	`570-0012-04870`
Alternative APNs	`880902` `977860`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,148 sqft Gross Area
1st Floor Area	1,148 sqft
Basement Area	574 sqft
Finished Basement	574 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Composition/Composite
Construction Type	Frame
Lot Area	1,415,700 sqft (32.5 acres)
Garage Area	1,680 sqft

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Patio Area	418 sqft
Storage Building	48 sqft
Pole Barn	3,240 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	977860
Street Address	3531 HIGHWAY 99
City	AURORA
State	MN
Zip	55705-8214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	THAT PART OF E1/2 OF SE1/4, DESCRIBED ASFOLLOWS: COMMENCING AT THE CORNER POST OF THESOUTHEAST CORNER OF SECTION 34, TOWNSHIP
Legal Range	15W
Legal Township	57N
Legal Section	34
Legal Subdivision	WHITE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	WHITE
Census Block Group	3
Census Block	3066
Census Tract	13900

Owner

3531 Hwy 99 is owned and occupied by an individual who acquired it in June 2014.

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

Owner of Record	Individual Name on File
Mailing Address	3531 HIGHWAY 99, AURORA, MN 55705-8214
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

Date	Document
Dec 31, 2025	Affidavit of Death of Joint Tenant, Transfer · Closed-End Mortgage EMBARRASS VERMILLION FCU
May 15, 2017	Deed of Trust, Mortgage · Line of Credit EMBARRASS VERMILLION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2009 · Amount on File
Deed Sale	Mar 5, 2009 · Amount on File
Deed Document Number	20091102433
Last Transfer Date	Jun 20, 2014
Transfer Doc	0001248343
Record Updated	Sep 20, 2026

December 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Dec 31, 2025
Property Address	3531 HIGHWAY 99, AURORA, MN 55705-8214
Document Number	0001525414
Instrument Date	Dec 12, 2025
Instrument	1525414
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	ALL AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 HIGHWAY 99, AURORA, MN 55705-8214

Mortgage

Document Number	0001525415
Date	Dec 31, 2025
Instrument	1525415

Lender

Name	EMBARRASS VERMILLION FCU
Type	Credit Union
Address	AURORA, MN 55705

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 12, 2030

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3531 HIGHWAY 99, AURORA, MN 55705-8214
Document Number	00A1310052
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 26, 2017
Title Company	ALL AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 HIGHWAY 99 AURORA MN 557058214, AURORA, MN 55705-8214

Mortgage

Document Number	00A1310052
Date	May 26, 2017
Instrument	A1310052

Lender

Name	EMBARRASS VERMILLION FCU
Type	Credit Union
Address	AURORA, MN 55705

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 25, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3531 Hwy 99 was $3,576 with a homeowner's exemption, up 19.8% 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	White Township
Unified School District	Mesabi East School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,576.00 (+19.84%) Homeowner's exemption
2025	$2,984.00 (-5.99%) Homeowner's exemption	$326,300 (+17.08%) Land $75,200 Building $251,100	$326,300 (+17.08%) Land $75,200 Building $251,100
2024	$3,174.00	$278,700 Land $62,600 Building $216,100	$278,700 Land $62,600 Building $216,100
2022		$237,300 Land $53,900 Building $183,400	$237,300 Land $53,900 Building $183,400

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

Flood

FEMA maps place 3531 Hwy 99 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3531 Hwy 99 is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	White Township serves 1,559 people · EPA ID MN1690001
Water Source	Purchased surface water from Aurora
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 99

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