3828 Hwy 169, Ely, MN 55731 Property Records

St. Louis County property record for 3828 Hwy 169, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1.25 ba · 1,152 sqft
Lot Size	3.8 acres (165,528 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Apr 2023)
Tax Bill	$5,434 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`317-0010-02357`

Property Details

APN / Parcel Number

Primary APN	`317-0010-02357`
Alternative APNs	`1103318` `739880`

Interior

Bedrooms	2 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,152 sqft Gross Area
1st Floor Area	864 sqft

Exterior

Exterior Material	Logs
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	165,528 sqft (3.8 acres)
Garage Type	Mixed
Garage Area	676 sqft

Exterior Amenities

Porch	Slab
Porch Area	428 sqft
Deck Area	208 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1103318
Street Address	3828 HIGHWAY 169
City	ELY
State	MN
Zip	55731-8071
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PART OF GOVT LOT 5 AND THE SE1/4 OFNW1/4, DESCRIBED AS FOLLOWS: COMMENCING ATTHE WEST QUARTER CORNER OF SAID SECTION
Legal Range	14W
Legal Township	62N
Legal Section	14
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	EAGLES NEST
Census Block Group	2
Census Block	2170
Census Tract	15401

Owner

3828 Hwy 169, a residential property, is owned by an individual who acquired it in November 2023.

Source: St. Louis County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	29484 HOLLY ST NW, ISANTI, MN 55040-8032
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
Sep 28, 2021	Deed of Trust, Mortgage ELY AREA CU
Apr 4, 2023	Contract Sale, Transfer · Land Contract NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2023 · Amount on File
Deed Sale	Apr 4, 2023 · Amount on File
Prior Sale	Mar 31, 2023 · Amount on File
Deed Document Number	20231464388
Last Transfer Date	Nov 21, 2023
Transfer Doc	0001478531
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3828 HIGHWAY 169, ELY, MN 55731-8071
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001425711
Date	Sep 28, 2021
Instrument	1425711

Lender

Name	ELY AREA CU
Type	Credit Union
Address	ELY, MN 55731

Agreement

Amount	Amount on Record
Term	179 Months
Due	Aug 18, 2036

April 2023: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	ST LOUIS MN
Recording Date	Apr 4, 2023
Property Address	3828 HIGHWAY 169, ELY, MN 55731-8071
Document Number	0001464388
Instrument Date	Mar 27, 2023
Instrument	1464388
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	RESULTS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	29484 HOLLY ST NW, ISANTI, MN 55040-8032

Mortgage

Date	Apr 4, 2023

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3828 Hwy 169 was $5,434, up 13.6% 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	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	$5,434.00 (+13.59%)
2025	$4,784.00 (+13.31%)	$601,100 (+18.19%) Land $342,300 Building $258,800	$601,100 (+18.19%) Land $342,300 Building $258,800
2024	$4,222.00	$508,600 Land $346,000 Building $162,600	$508,600 Land $346,000 Building $162,600
2022		$457,700 Land $315,800 Building $141,900	$457,700 Land $315,800 Building $141,900

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

Flood

FEMA maps place 3828 Hwy 169 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

Wildfire risk around 3828 Hwy 169 is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 65% of Minnesota
Wildfire Likelihood	0.05% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Treehouse Broadband Fixed Wireless	700 / 700
Frontier DSL	10 / 1

May also be available: T-Mobile.

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