5312 Mud Creek Rd, Ely, MN 55731 Property Records

St. Louis County property record for 5312 Mud Creek Rd, Ely, MN 55731

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.75 ba · 2,236 sqft
Lot Size	3.58 acres (156,102 sqft)
Owner	Individual on Record
Last Sale	$950,000 (Oct 2023)
Tax Bill	$10,184 (2026)
Deeds & Mortgages	Oct 2023 Sale Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`665-0060-00030`

Property Details

APN / Parcel Number

Primary APN	`665-0060-00030`
Alternative APNs	`1156289` `848321`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,236 sqft Gross Area
1st Floor Area	2,236 sqft
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	156,102 sqft (3.58 acres)
Garage Area	1,728 sqft

Exterior Amenities

Porch	Slab
Porch Area	436 sqft
Deck Area	175 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1156289
Street Address	5312 MUD CREEK RD
City	ELY
State	MN
Zip	55731
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	ALL OF LOT 3 & INC LOT 4 EX PART LYING WLY OFA LINE BEG ON N LINE 17.50 FT ELY OF NW CORTHENCE S11DEG2'53"W 604.13 FT THENCE
Legal Subdivision	STODDARDS LAKE VERMILLION LOTS
Legal Lot Number	3-4
Jurisdiction	ST LOUIS MN
Township / Civil Division	NORTHEAST ST. LOUIS
Census Block Group	1
Census Block	1241
Census Tract	15502

Owner

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

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

Owner of Record	Individual on Record
Mailing Address	123 BAYVIEW ST, STORM LAKE, IA 50588-7769
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Warranty Deed, Transfer ALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE CO LLC
Apr 23, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Deed Document Number	20231476037
Prior Transfer Date	Jul 12, 2007
Prior Transfer Doc	0001058225
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 13, 2023
Property Address	5312 MUD CREEK RD, ELY, MN 55731
Document Number	0001476037
Instrument Date	Sep 19, 2023
Instrument	1476037
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	ALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$3,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 BAYVIEW ST, STORM LAKE, IA 50588-7769
Investor	Possibly a Property Investor

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5312 MUD CREEK RD, ELY, MN 55731
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 330, TOWER, MN 55790-0330

Mortgage

Document Number	0001411628
Date	Apr 23, 2021
Instrument	1411628

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2031

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,184.00 (+45.78%)
2025	$6,986.00 (+8.99%)	$938,400 (+36.1%) Land $385,400 Building $553,000	$938,400 (+36.1%) Land $385,400 Building $553,000
2024		$689,500 (+13.01%) Land $289,200 Building $400,300	$689,500 (+13.01%) Land $289,200 Building $400,300
2023	$6,410.00 Homeowner's exemption
2022		$610,100 Land $266,100 Building $344,000	$610,100 Land $266,100 Building $344,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 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	Moderate above 69% of the US · above 88% of Minnesota
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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