445 Garden Lake Rd, Ely, MN 55731 Property Records

Lake County property record for 445 Garden Lake Rd, Ely, MN 55731

Property Summary

Property Type	Mobile Home
Details	1 bd · 1 ba · 896 sqft · built 1970
Lot Size	0.78 acres (33,977 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Sep 2023)
Tax Bill	$626 (2025)
Deeds & Mortgages	Sep 2023 Mortgage May 2017 Transfer
APN	`28-6311-29041`

Property Details

APN / Parcel Number

Primary APN	`28-6311-29041`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Gross Area
1st Floor Area	896 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1980
Architectural Style	Mobile/Manufactured
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood
Lot Area	33,977 sqft (0.78 acres)
Garage Type	Mixed
Garage Area	624 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Deck Area	100 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	445 GARDEN LAKE RD
City	ELY
State	MN
Zip	55731-8175
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	THAT PART OF LOT 1 AND THE NW14 OF NE
Legal Range	11W
Legal Township	63N
Legal Section	29
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	FALL LAKE
Census Block Group	1
Census Block	1151
Census Tract	370101

Owner

Source: Lake County assessment roll, as of August 6, 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 File
Mailing Address	445 GARDEN LAKE RD, ELY, MN 55731-8175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHRIDGE COMMUNITY CU
May 9, 2017	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 1, 2023 · Amount on Record
Deed Sale	Sep 1, 2023 · Amount on Record
Deed Document Number	20231578518
Prior Transfer Date	May 5, 2017
Prior Transfer Doc	0000187486
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Sep 12, 2023
Property Address	445 GARDEN LAKE RD, ELY, MN 55731-8175
Document Number	A000202948
Instrument Date	Aug 31, 2023
Instrument	A000202948
Transaction Type	Transfer
Record Updated	Oct 3, 2023

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	445 GARDEN LAKE RD, ELY, MN 55731-8175

Mortgage

Document Number	A000202949
Date	Sep 12, 2023
Instrument	A000202949

Lender

Name	NORTHRIDGE COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 1, 2028

May 2017: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE MN
Recording Date	May 9, 2017
Property Address	445 GARDEN LAKE RD, ELY, MN 55731-8175
Document Number	A000187486
Instrument Date	May 5, 2017
Instrument	A000187486
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 6, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$251,800 (+39.81%) Land $238,800 Building $13,000	$251,800 (+39.81%) Land $238,800 Building $13,000
2025	$626.00
2023		$180,100 Land $161,700 Building $18,400	$180,100 Land $161,700 Building $18,400

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

FEMA Flood Zone	Not on file

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

Wildfire

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

Wildfire Risk	High above 72% of the US · above 89% of Minnesota
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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