St. Louis County property record for 3617 W Lake Four Rd, Ely, MN 55731
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 0.75 ba · 864 sqft |
| Lot Size | 1.24 acres (54,389 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Apr 2001) |
| Tax Bill | $4,762 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit Feb 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 317-0020-00040 |
| Primary APN | 317-0020-00040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 0.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Gross Area |
| 1st Floor Area | 864 sqft |
| Architectural Style | Ranch |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 54,389 sqft (1.24 acres) |
| Deck Area | 40 sqft |
| Storage Building | 48 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 38033 |
|---|---|
| Street Address | 3617 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 4 SERIAL # |
| Legal Subdivision | AUDREYS SUNRISE PLAT |
| Legal Lot Number | 4 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | EAGLES NEST |
| Census Block Group | 2 |
| Census Block | 2172 |
| Census Tract | 15401 |
3617 W Lake Four Rd, a residential property, is owned by an individual who acquired it in January 2022.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 414 W ANOKA ST, DULUTH, MN 55803-1900 |
| 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.
| Date | Document |
|---|---|
| May 9, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Feb 2, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2001 · Amount on File |
| Deed Sale | Apr 27, 2001 · Amount on File |
| Deed Document Number | 2001699578 |
| Last Transfer Date | Jan 19, 2022 |
| Transfer Doc | 0001052942 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3617 W LAKE FOUR RD, ELY, MN 55731-8045 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001056403 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 1056403 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 23, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Feb 2, 2022 |
| Property Address | 3617 W LAKE FOUR RD, ELY, MN 55731-8045 |
| Document Number | 0001052942 |
| Instrument Date | Jan 19, 2022 |
| Instrument | 1052942 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 414 W ANOKA ST, DULUTH, MN 55803-1900 |
The 2026 property tax bill for 3617 W Lake Four Rd was $4,762, down 5.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Eagles Nest Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,762.00 (-5.18%) | ||
| 2025 | $5,022.00 (+30.24%) | $490,200 (-7.35%) Land $348,600 Building $141,600 | $490,200 (-7.35%) Land $348,600 Building $141,600 |
| 2024 | $3,856.00 | $529,100 Land $367,500 Building $161,600 | $529,100 Land $367,500 Building $161,600 |
| 2022 | $386,900 Land $273,100 Building $113,800 | $386,900 Land $273,100 Building $113,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3617 W Lake Four Rd in Zone X, an area of minimal flood risk.
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 risk around 3617 W Lake Four Rd is moderate, ranking above 46% of the US, with a 0.04% annual chance of 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.
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 |
5G (outdoors only) and 4G LTE
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