3547 Victoria Rd, Ely, MN 55731 Property Records

St. Louis County property record for 3547 Victoria Rd, Ely, MN 55731 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	7 bd · 3.5 ba · 2,264 sqft · built 2003
Lot Size	4.01 acres (174,767 sqft)
Owner	2 Individual Names on File
Last Sale	$279,500 (Jun 2019)
Tax Bill	$4,322 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2023 Transfer + 7 more
Flood Zone	Zone X (minimal risk)
APN	`317-0169-00040`

Property Details

APN / Parcel Number

Primary APN	`317-0169-00040`
Alternative APN	`1072610`

Interior

Bedrooms	7 Beds
Full Baths	3.5 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,264 sqft Gross Area
1st Floor Area	2,264 sqft
Basement Area	1,260 sqft
Finished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Lot Area	174,767 sqft (4.01 acres)
Garage Area	864 sqft

Exterior Amenities

Porch	Patio
Porch Area	448 sqft
Deck Area	50 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1072610
Street Address	3547 VICTORIA RD
City	ELY
State	MN
Zip	55731-8056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INC PART OF PRIVATE RD SERIAL #
Legal Subdivision	ROBINSON RIDGES T OF EAGLES NE
Legal Block	1
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	EAGLES NEST
Census Block Group	2
Census Block	2064
Census Tract	15401

Owner

Source: St. Louis County records · APN 317-0169-00040

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	2 Individual Names on File
Mailing Address	3547 VICTORIA RD, ELY, MN 55731-8056
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK & TRUST
Jul 17, 2023	Intrafamily Transfer, Transfer
May 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK & TRUST
Oct 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK & TRUST
Dec 03, 2020	Loan Modification, Mortgage · Conventional with PMI NORTHERN ST BK/VA
Nov 29, 2019	Loan Modification, Mortgage · Conventional with PMI NORTHERN ST BK/VA
Jun 20, 2019	Loan Modification, Mortgage NOT AVAILABLE
Jun 20, 2019	Grant Deed, Construction Loan · Construction Mortgage NORTHERN ST BK/VA
Mar 20, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 20, 2019 · Amount on Record
Deed Sale	Jun 20, 2019 · Amount on Record
Prior Sale	Mar 20, 2018
Deed Document Number	20191011661
Last Transfer Date	Jul 12, 2023
Transfer Doc	0001070190
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3547 VICTORIA RD, ELY, MN 55731-8056

Mortgage

Document Number	0001097628
Date	Dec 24, 2025
Instrument	1097628

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2055

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jul 17, 2023
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Document Number	0001070190
Map Reference	MB 763 PG 209
Instrument Date	Jul 12, 2023
Instrument	1070190
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3547 VICTORIA RD, ELY, MN 55731-8056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001068623
Date	May 25, 2023
Instrument	1068623

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.3%
Type Change Date	Jun 01, 2031
Change Frequency	Annually
Min Rate At Change	5.3%
Max Rate At Change	9.3%
Index	1-Year T-Bill
Max Rate	13.3%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001062715
Date	Oct 24, 2022
Instrument	1062715

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Nov 01, 2029
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year T-Bill
Max Rate	11.2%

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Document Number	00T1034454
Instrument Date	Dec 03, 2020
Transaction Type	Mortgage
Record Updated	Feb 02, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3547 VICTORIA RD ELY MN 557318056, ELY, MN 55731-8056

Mortgage

Document Number	00T1034454
Date	Dec 30, 2020
Instrument	T1034454

Lender

Name	NORTHERN ST BK/VA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Dec 29, 2025

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Document Number	00T1018427
Instrument Date	Nov 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3547 VICTORIA RD ELY MN 557318056, ELY, MN 55731-8056

Mortgage

Document Number	00T1018427
Date	Dec 11, 2019
Instrument	T1018427

Lender

Name	NORTHERN ST BK/VA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	12 Months
Due	Dec 10, 2020

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Document Number	00T1025655
Instrument Date	Jun 20, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3547 VICTORIA RD ELY MN 557318056, ELY, MN 55731-8056

June 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 20, 2019
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Document Number	00T1011661
Instrument Date	Feb 26, 2019
Instrument	T1011661
Transaction Type	Construction Loan
Record Updated	Jul 03, 2019
Title Company	NOVARE NATIONAL SETTLEMENT SERVICES, NOVARE NAT'L SETTLEMENT SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$922.35
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5487 LEHTO RD EMBARRASS MN 557328204, EMBARRASS, MN 55732-8204

Mortgage

Document Number	T1011662
Date	Jun 20, 2019
Instrument	T1011662

Lender

Name	NORTHERN ST BK/VA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 20, 2018
Property Address	3547 VICTORIA RD, ELY, MN 55731-8056
Document Number	000T996069
Instrument Date	Mar 20, 2018
Instrument	T996069
Transaction Type	Foreclosure
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,085.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500
Investor	Possibly a Property Investor

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
County Subdivision	Eagles Nest Township
Unified School District	St. Louis County 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	$4,322.00 (+101.96%) Homeowner's exemption
2025	$2,140.00 (-8.39%) Homeowner's exemption	$613,300 (+103.15%) Land $164,800 Building $448,500	$613,300 (+103.15%) Land $164,800 Building $448,500
2024	$2,336.00 (-15.61%)	$301,900 (-2.11%) Land $150,900 Building $151,000	$301,900 (-2.11%) Land $150,900 Building $151,000
2023	$2,768.00 Homeowner's exemption
2022		$308,400 (+1.98%) Land $145,000 Building $163,400	$308,400 (+1.98%) Land $145,000 Building $163,400
2021		$302,400 Land $139,000 Building $163,400	$302,400 Land $139,000 Building $163,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370154012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 87% of Minnesota
Wildfire Likelihood	About 1 in 592 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	DSL	115 / 7
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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