3607 W Lake Four Rd, Ely, MN 55731 Property Records

St. Louis County property record for 3607 W Lake Four Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 1,040 sqft · built 1983
Lot Size	1.12 acres (49,174 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jun 2023)
Tax Bill	$3,130 (2026)
Deeds & Mortgages	Jun 2023 Sale Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`317-0020-00090`

Property Details

APN / Parcel Number

Primary APN	`317-0020-00090`
Alternative APNs	`1150418` `83029`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,040 sqft Gross Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	49,174 sqft (1.12 acres)
Garage Area	936 sqft
Deck Area	30 sqft
Storage Building	16 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1150418
Street Address	3607 W LAKE FOUR RD
City	ELY
State	MN
Zip	55731-8045
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	SMU
Legal Description	LOT 9 SERIAL #
Legal Subdivision	AUDREYS SUNRISE T OF EAGLES NE
Legal Lot Number	9
Jurisdiction	ST LOUIS MN
Township / Civil Division	EAGLES NEST
Census Block Group	2
Census Block	2172
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	Individual Name on Record
Mailing Address	4537 16TH AVE S, MINNEAPOLIS, MN 55407-3603
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Warranty Deed, Transfer NORTHEAST TITLE COMPANY
Jan 9, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Deed Document Number	20231069491
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 27, 2023
Property Address	3607 W LAKE FOUR RD, ELY, MN 55731-8045
Document Number	0001069491
Instrument Date	May 30, 2023
Instrument	1069491
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,287.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4537 16TH AVE S, MINNEAPOLIS, MN 55407-3603

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3607 W LAKE FOUR RD, ELY, MN 55731-8045
Document Number	000T981361
Instrument Date	Jan 9, 2017
Transaction Type	Mortgage
Record Updated	Feb 10, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3607 W LAKE FOUR RD ELY MN 557318045, ELY, MN 55731-8045

Mortgage

Document Number	000T981361
Date	Jan 25, 2017
Instrument	T981361

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2047

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
County Subdivision	Eagles Nest Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,130.00 (+0.32%)
2025	$3,120.00 (+37.32%)	$324,200 (-2.26%) Land $96,800 Building $227,400	$324,200 (-2.26%) Land $96,800 Building $227,400
2024	$2,272.00 (-2.32%)	$331,700 (+49.15%) Land $101,700 Building $230,000	$331,700 (+49.15%) Land $101,700 Building $230,000
2023	$2,326.00
2022		$222,400 (+22.94%) Land $77,000 Building $145,400	$222,400 (+22.94%) Land $77,000 Building $145,400
2021		$180,900 Land $77,000 Building $103,900	$180,900 Land $77,000 Building $103,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 46% of the US · above 76% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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