386 Garden Lake Rd, Ely, MN 55731 Property Records

Lake County property record for 386 Garden Lake Rd, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 856 sqft · built 1993
Lot Size	5.02 acres (218,671 sqft)
Owner	Company Name on File
Tax Bill	$1,816 (2025)
Deeds & Mortgages	Sep 2020 Refinance Dec 2025 Sale + 4 more
APN	`28-6311-29285`

Property Details

APN / Parcel Number

Primary APN	`28-6311-29285`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	856 sqft Gross Area
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Wood
Lot Area	218,671 sqft (5.02 acres)
Garage Type	Mixed
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Deck Area	24 sqft
Lean-To	172 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	386 GARDEN LAKE RD
City	ELY
State	MN
Zip	55731-8182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.02 ACRES OUT OF LOT 2 AS DESC IN BK
Legal Lot Number	2
Jurisdiction	LAKE MN
Township / Civil Division	FALL LAKE
Census Block Group	1
Census Block	1161
Census Tract	370101

Owner

Source: Lake County records · APN 28-6311-29285

Assessment roll updated February 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	3703 SIMONVIEW CT, GRAND FORKS, ND 58201-7611
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FRANDSEN B&T
Dec 11, 2025	Warranty Deed, Transfer
Dec 22, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 12, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage BELL BANK
Oct 31, 2012	Intrafamily Transfer, Transfer CANOE COUNTRY TITLE
Jul 09, 2012	Deed, Transfer BOUNDARY WATERS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 11, 2025
Deed Sale	Dec 11, 2025
Prior Sale	Dec 11, 2025
Deed Document Number	A000207486
Last Transfer Date	Dec 22, 2025
Transfer Doc	A000207546
Record Updated	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	386 GARDEN LAKE RD, ELY, MN 55731-8182
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000195010
Date	Sep 21, 2020
Instrument	A000195010

Lender

Name	FRANDSEN B&T

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2035

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Dec 11, 2025
Property Address	386 GARDEN LAKE RD, ELY, MN 55731-8182
Document Number	A000207486
Instrument Date	Dec 08, 2025
Instrument	A000207486
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3707 SIMONVIEW CT, GRAND FORKS, ND 58201-7611

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Dec 22, 2025
Property Address	386 GARDEN LAKE RD, ELY, MN 55731-8182
Document Number	A000207546
Instrument Date	Dec 08, 2025
Instrument	A000207546
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3703 SIMONVIEW CT, GRAND FORKS, ND 58201-7611

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 12, 2022
Property Address	386 GARDEN LAKE RD, ELY, MN 55731-8182
Document Number	A000201048
Instrument Date	Sep 02, 2022
Instrument	A000201048
Transaction Type	Transfer
Record Updated	Mar 06, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	386 GARDEN LAKE RD, ELY, MN 55731-8182

Mortgage

Document Number	A000201051
Date	Sep 12, 2022
Instrument	A000201051

Lender

Name	BELL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2012: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE MN
Recording Date	Oct 31, 2012
Property Address	386 GARDEN LAKE RD, ELY, MN 55731-8182
Document Number	A000177348
Instrument Date	Oct 26, 2012
Instrument	A000177348
Transaction Type	Transfer
Record Updated	Mar 06, 2026
Title Company	CANOE COUNTRY TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	386 GARDEN LAKE RD, ELY, MN 55731-8182

July 2012: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE MN
Recording Date	Jul 09, 2012
Property Address	386 GARDEN LAKE RD, ELY, MN 55731-8182
Document Number	A000176591
Instrument Date	Jul 02, 2012
Instrument	A000176591
Transaction Type	Transfer
Record Updated	Mar 06, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$511.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 GARDEN LAKE RD, ELY, MN 55731-8182

Mortgage

Document Number	A000176594
Date	Jul 09, 2012
Instrument	A000176594

Lender

Name	BOUNDARY WATERS BANK
Address	ELY, MN 55731

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 02, 2027

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated February 1, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Lake County
County Subdivision	Fall Lake Township
Unified School District	Lake Superior Public 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
2025	$1,816.00	$358,500 (-4.4%) Land $64,700 Building $293,800	$358,500 (-4.4%) Land $64,700 Building $293,800
2023		$375,000 Land $63,100 Building $311,900	$375,000 Land $63,100 Building $311,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	High above 73% of the US · above 89% of Minnesota
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Zito West Holding Fiber	1,000 / 1,000
Treehouse Broadband Fixed Wireless	900 / 500

Based on FCC filings for 12 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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