582 Garden Lake Rd, Ely, MN 55731 Property Records

Lake County property record for 582 Garden Lake Rd, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 2003
Lot Size	4.71 acres (205,168 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,557 (2026)
Deeds & Mortgages	Dec 2020 Refinance
APN	`28-6376-28010`

Property Details

APN / Parcel Number

Primary APN	`28-6376-28010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,032 sqft Gross Area
1st Floor Area	1,032 sqft
Utility Area	80 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Other
Exterior Material	Wood
Construction Type	Wood
Roof Material	Other
Lot Area	205,168 sqft (4.71 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio
Porch Area	84 sqft
Deck Area	256 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	582 GARDEN LAKE RD
City	ELY
State	MN
Zip	55731-8179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1
Legal Range	11W
Legal Township	63N
Legal Section	28
Legal Subdivision	FARM GARDEN
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	FALL LAKE
Census Block Group	1
Census Block	1161
Census Tract	370101

Owner

Source: Lake County records, as of October 22, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	582 GARDEN LAKE RD, ELY, MN 55731-8179
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	582 GARDEN LAKE RD, ELY, MN 55731-8179
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000195959
Date	Dec 18, 2020
Instrument	A000195959

Lender

Name	FRANDSEN B&T

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	193 Months
Due	Jan 1, 2037

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	$2,557.00 (-7.82%) Homeowner's exemption	$502,900 (+0.94%) Land $77,900 Building $425,000	$502,900 (+0.94%) Land $77,900 Building $425,000
2025	$2,774.00
2023		$498,200 Land $74,200 Building $424,000	$498,200 Land $74,200 Building $424,000

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

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	Moderate above 64% of the US · above 86% of Minnesota
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 20 locations within half a mile, as of December 31, 2025

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