5631 Ely Island N, Tower, MN 55790 Property Records

St. Louis County property record for 5631 Ely Island N, Tower, MN 55790

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.75 ba · 1,215 sqft · built 2021
Lot Size	2.14 acres (93,303 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Apr 2021)
Tax Bill	$4,042 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`270-0024-00041`

Property Details

APN / Parcel Number

Primary APN	`270-0024-00041`
Alternative APN	`1108041`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,215 sqft Gross Area
1st Floor Area	857 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood
Construction Type	Frame
Lot Area	93,303 sqft

Exterior Amenities

Porch	Slab
Porch Area	272 sqft
Deck Area	160 sqft
Cabin	256 sqft
Storage Building	80 sqft
Boat House	480 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	1108041
Street Address	5631 ELY IS N
City	TOWER
State	MN
Zip	55790
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PART OF LOT 4, BLOCK 1, LYING NORTHERLYOF THE EASTERLY EXTENSION OF THE SOUTH LINEOF LOT 3, BLOCK 1. SERIAL #
Legal Subdivision	CADAEWOOD
Legal Block	1
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	BREITUNG
Census Block Group	2
Census Block	2004
Census Tract	15402

Owner

Source: St. Louis County records, 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	Company Name on Record
Mailing Address	504 S 2ND AVE, VIRGINIA, MN 55792-2704
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN BANK OF THE NORTH
Apr 28, 2021	Warranty Deed, Transfer · Construction Mortgage AMERICAN BANK OF THE NORTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Apr 28, 2021 · Amount on Record
Deed Document Number	20211412431
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5631 ELY IS N, TOWER, MN 55790
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001412432
Date	Apr 30, 2021
Instrument	1412432

Lender

Name	AMERICAN BANK OF THE NORTH
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Apr 21, 2027

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 28, 2021
Property Address	5631 ELY IS N, TOWER, MN 55790
Document Number	0001039863
Instrument Date	Apr 21, 2021
Instrument	1039863
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 S 2ND AVE, VIRGINIA, MN 55792-2781

Mortgage

Document Number	0001039864
Date	Apr 28, 2021
Instrument	1039864

Lender

Name	AMERICAN BANK OF THE NORTH
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Apr 21, 2027

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,042.00 (+5.48%)
2025	$3,832.00 (+28.25%)	$398,700 (+22.38%) Land $133,600 Building $265,100	$398,700 (+22.38%) Land $133,600 Building $265,100
2024	$2,988.00	$325,800 (+81.91%) Land $117,300 Building $208,500	$325,800 (+81.91%) Land $117,300 Building $208,500
2022		$179,100 Land $98,600 Building $80,500	$179,100 Land $98,600 Building $80,500

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

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

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	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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