39 W Harvey St, Ely, MN 55731 Property Records

St. Louis County property record for 39 W Harvey St, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,318 sqft · built 1900
Lot Size	0.091 acres (3,962 sqft)
Owner	Individual Name on Record
Last Sale	$42,000 (Dec 2010)
Tax Bill	$2,426 (2026)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`030-0260-01220`

Property Details

APN / Parcel Number

Primary APN	`030-0260-01220`
Alternative APN	`1041227`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,318 sqft Gross Area
1st Floor Area	671 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Lot Area	3,962 sqft (0.091 acres)
Garage Area	832 sqft
Deck Area	12 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1041227
Street Address	39 W HARVEY ST
City	ELY
State	MN
Zip	55731-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 AND WLY 5 FT OF LOT 9 SERIAL #
Legal Subdivision	SEMERS ADDITION
Legal Block	6
Legal Lot Number	8-9
Jurisdiction	ST LOUIS MN
Township / Civil Division	ELY
Census Block Group	2
Census Block	2029
Census Tract	15300

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	341 EMMY LN, HANOVER, MN 55341-3104
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage BOUNDARY WATERS BANK
May 10, 2019	Loan Modification, Mortgage AMERICAN NAT'L BK/MN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2010 · Amount on Record
Deed Sale	Dec 15, 2010 · Amount on Record
Prior Sale	Feb 18, 2004 · Amount on Record
Deed Document Number	20101150885
Last Transfer Date	Dec 30, 2012
Transfer Doc	0001233004
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	39 W HARVEY ST, ELY, MN 55731-1243
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001417764
Date	Jun 29, 2021
Instrument	1417764

Lender

Name	BOUNDARY WATERS BANK
Type	Bank
Address	ELY, MN 55731

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2051

Interest

Rate Type	Adjustable Rate

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	39 W HARVEY ST, ELY, MN 55731-1243
Document Number	00A1355061
Instrument Date	May 10, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12523 LOWER SYLVAN RD SW PILLAGER MN 564732267, PILLAGER, MN 56473-2267

Mortgage

Document Number	00A1355061
Date	May 20, 2019
Instrument	A1355061

Lender

Name	AMERICAN NAT'L BK/MN
Type	Bank
Address	BAXTER, MN 56425

Agreement

Term	60 Months
Due	May 19, 2024

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Ely City
Unified School District	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,426.00 (+3.32%)
2025	$2,348.00 (+12.13%)	$148,100 (+8.02%) Land $6,000 Building $142,100	$148,100 (+8.02%) Land $6,000 Building $142,100
2024	$2,094.00	$137,100 (+56.51%) Land $5,700 Building $131,400	$137,100 (+56.51%) Land $5,700 Building $131,400
2022		$87,600 Land $5,200 Building $82,400	$87,600 Land $5,200 Building $82,400

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	1 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	Low lower than 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Ely serves 3,258 people · EPA ID MN1690014
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Fiber	5,000 / 5,000
Treehouse Broadband Fixed Wireless	1,000 / 1,000

May also be available: AT&T, CTC.

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