3810 Mud Creek Rd, Ely, MN 55731 Property Records

St. Louis County property record for 3810 Mud Creek Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 840 sqft · built 1975
Lot Size	5.59 acres (243,500 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (May 2026)
Tax Bill	$1,020 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`317-0010-02335`

Property Details

APN / Parcel Number

Primary APN	`317-0010-02335`
Alternative APNs	`1071340` `1181362` `868882`

Interior

Bedrooms	2 Beds
Total Rooms	2 Rooms
Stories	1 Story
Building Area	840 sqft Gross Area
1st Floor Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2005
Exterior Material	Wood
Lot Area	243,500 sqft (5.59 acres)
Garage Area	576 sqft
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	868882
Street Address	3810 MUD CREEK RD
City	ELY
State	MN
Zip	55731
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	MUNS
Legal Description	THAT PART OF NW1/4 LYING W OF MUD CREEK RD SERIAL #
Legal Range	14W
Legal Township	62N
Legal Section	14
Legal Subdivision	EAGLES NEST TOWN OF
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, 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	510 E CHAPMAN ST, ELY, MN 55731-1435
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK AND TRUST
May 31, 2019	Warranty Deed, Transfer · Line of Credit NORTHVIEW BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	May 31, 2019 · Amount on Record
Deed Document Number	20261532612
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 14, 2026
Property Address	3810 MUD CREEK RD, ELY, MN 55731
Document Number	0001532612
Instrument Date	May 4, 2026
Instrument	2026.1532612
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,663.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	510 E CHAPMAN ST, ELY, MN 55731-1435

Mortgage

Document Number	0001532613,
Date	May 14, 2026
Instrument	2026.1532613

Lender

Name	FRANDSEN BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.24%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 31, 2019
Property Address	3810 MUD CREEK RD, ELY, MN 55731
Document Number	00A1355759
Instrument Date	May 24, 2019
Instrument	A1355759
Transaction Type	Transfer
Record Updated	Jun 10, 2019
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.17
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21320 ASTOLAT DR BROOKFIELD WI 530451640, BROOKFIELD, WI 53045-1640

Mortgage

Document Number	A1355760
Date	May 31, 2019
Instrument	A1355760

Lender

Name	NORTHVIEW BK
Type	Bank
Address	FINLAYSON, MN 55735

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 30, 2029

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	$1,020.00 (+29.44%)
2025	$788.00 (-3.9%)	$111,300 (+38.09%) Land $61,200 Building $50,100	$111,300 (+38.09%) Land $61,200 Building $50,100
2024	$820.00	$80,600 (-) Land $43,900 Building $36,700	$80,600 (-) Land $43,900 Building $36,700
2022		$80,600 Land $43,900 Building $36,700	$80,600 Land $43,900 Building $36,700

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

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 68% of the US · above 87% of Minnesota
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mud Creek Rd

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