St. Louis County property record for 3872 Mud Creek Rd, Ely, MN 55731 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 1 Beds |
| Bathrooms | 0.5 Baths |
| Architecture Style | Rustic |
| Year Built | Built 2006 |
| Square Footage | 748 sqft Gross Area |
| Lot Size | 1,742,400 sqft (40 acres) |
| Last Sale | $400,000 (2025) |
| Tax Bill | $1,604.00 (2026) |
| Primary APN | 317-0010-01740 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Beds |
|---|---|
| Full Baths | 0.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 748 sqft Gross Area |
| 1st Floor | 572 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Rustic Style |
| Exterior Material | Logs Exterior |
| Construction Type | Log Construction |
| Lot Area | 1,742,400 sqft (40 acres) |
| Deck Area | Deck Area |
| Sauna | Sauna |
| Storage Building | 216 sqft Storage Building |
| Heating Fuel | Propane Heating Fuel |
|---|
| Account Number | 1185442 |
|---|---|
| Street Address | 3872 MUD CREEK RD |
| City | ELY |
| State | MN |
| Zip | 55731 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NW 1/4 OF SW 1/4 SERIAL # |
| Legal Range | 14W |
| Legal Township | 62N |
| Legal Section | 10 |
| Legal Subdivision | EAGLES NEST TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Minor Civil Division | EAGLES NEST |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 15402 |
Source: St. Louis County records · APN 317-0010-01740
Assessment roll updated August 17, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16267 HOLBROOK CT, LAKEVILLE, MN 55044-4428 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 08, 2022 | Deed of Trust, Mortgage · Small Business Association Mortgage PLATINUM BANK |
| Sep 09, 2020 | Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 28, 2025 · Amount on Record |
| Deed Sale | Jul 28, 2025 · Amount on Record |
| Prior Sale | Sep 09, 2020 · Amount on Record |
| Deed Doc Number | 20251514699 |
| Prior Transfer Date | Oct 10, 2006 |
| Prior Transfer Doc | 0001033466 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 3872 MUD CREEK RD, ELY, MN 55731 |
| Transaction Type | Mortgage |
| Record Updated | Oct 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2137 DULUTH PL, MAPLEWOOD, MN 55109-3414 |
| Document Number | 0001437013 |
|---|---|
| Date | Feb 08, 2022 |
| Instrument | 1437013 |
| Name | PLATINUM BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55128 |
| Type | Small Business Association Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 25, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Sep 09, 2020 |
| Property Address | 3872 MUD CREEK RD, ELY, MN 55731 |
| Document Number | 00A1389941 |
| Instrument Date | Sep 04, 2020 |
| Instrument | A1389941 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $413.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 2137 DULUTH PL MAPLEWOOD MN 551093414, MAPLEWOOD, MN 55109-3414 |
| Document Number | A1389942 |
|---|---|
| Date | Sep 09, 2020 |
| Instrument | A1389942 |
| Name | FRANDSEN BK&TR |
|---|---|
| Type | Bank |
| Address | ELY, MN 55731 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 08, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.47% |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Eagles Nest Township |
| Unified School District | St. Louis County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,604.00 (+27.91%) | ||
| 2025 | $1,254.00 (-5.14%) | $203,800 (+72.42%) Land $85,300 Building $118,500 | $203,800 (+72.42%) Land $85,300 Building $118,500 |
| 2024 | $1,322.00 | $118,200 (-) Land $66,000 Building $52,200 | $118,200 (-) Land $66,000 Building $52,200 |
| 2022 | $118,200 Land $66,000 Building $52,200 | $118,200 Land $66,000 Building $52,200 |
3872 Mud Creek Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · St. Louis County (27137C), updated March 24, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 65th percentile of exposed land nationally · 86th in Minnesota |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 500 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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