5214 Ely Island S, Tower, MN 55790 Property Records

St. Louis County property record for 5214 Ely Island S, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 1.75 ba · 1,584 sqft · built 2006
Lot Size	3.3 acres (143,748 sqft)
Owner	Individual Name on File
Last Sale	$408,000 (Oct 2020)
Tax Bill	$5,738 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`270-0020-01369`

Property Details

APN / Parcel Number

Primary APN	`270-0020-01369`
Alternative APNs	`1097156` `1159529`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,584 sqft Gross Area
1st Floor Area	1,584 sqft
Basement Area	864 sqft
Finished Basement	864 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	143,748 sqft (3.3 acres)

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	60 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1159529
Street Address	5214 ELY IS S
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	PART OF G.L.3 DESCRIBED AS FOLLOWS ASSUMINGTHE BOUNDARY LINE BETWEEN G.L.3 AND 4 OF SAIDSEC TO RUN DUE N-S ON ELY ISLAND AND
Legal Range	15W
Legal Township	62N
Legal Section	15
Legal Subdivision	BREITUNG TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	BREITUNG
Census Block Group	2
Census Block	2004
Census Tract	15402

Owner

Source: St. Louis County records · APN 270-0020-01369

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	Individual Name on File
Mailing Address	4616 ARDEN AVE, MINNEAPOLIS, MN 55424-1117
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHOICE FIN'L
Oct 05, 2020	Warranty Deed, Transfer · Conventional Mortgage CHOICE FIN'L

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 05, 2020 · Amount on Record
Deed Sale	Oct 05, 2020 · Amount on Record
Prior Sale	Nov 01, 2004 · Amount on Record
Deed Document Number	20201392021
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5214 ELY IS S, TOWER, MN 55790
Document Number	00A1392022
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5214 ELY IS TOWER MN 55790, TOWER, MN 55790

Mortgage

Document Number	00A1392022
Date	Oct 05, 2020
Instrument	A1392022

Lender

Name	CHOICE FIN'L
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 04, 2040

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 05, 2020
Property Address	5214 ELY IS S, TOWER, MN 55790
Document Number	00A1392021
Instrument Date	Sep 22, 2020
Instrument	A1392021
Transaction Type	Transfer
Record Updated	Nov 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,346.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	80 RAPP FARM LN ST PAUL MN 551274203, ST PAUL, MN 55127-4203

Mortgage

Document Number	A1392022
Date	Oct 05, 2020
Instrument	A1392022

Lender

Name	CHOICE FIN'L
Type	Funding / Finance Company
Address	FARGO, ND 58104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 04, 2040

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Breitung Township
Unified School District	St. Louis County 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
2026	$5,738.00 (+3.54%)
2025	$5,542.00 (+13.19%)	$564,900 (+19.48%) Land $126,600 Building $438,300	$564,900 (+19.48%) Land $126,600 Building $438,300
2024	$4,896.00	$472,800 (+15.37%) Land $111,400 Building $361,400	$472,800 (+15.37%) Land $111,400 Building $361,400
2022		$409,800 Land $93,800 Building $316,000	$409,800 Land $93,800 Building $316,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	25 / 3

Based on FCC filings for 5 locations within half a mile of this property.

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