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823 S Central Ave, Ely, MN 55731 Property Records

St. Louis County property record for 823 S Central Ave, Ely, MN 55731 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,368 sqft · built 1953
Lot Size0.359 acres (15,661 sqft)
OwnerIndividual Name on File
Last Sale$174,900 (Dec 2019)
Tax Bill$1,912 (2026)
Deeds & MortgagesFeb 2020 Line of Credit
Dec 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN465-0100-00055

Property Details

APN / Parcel Number

Primary APN465-0100-00055
Alternative APN
  • 1082711

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms2 Rooms
Stories1 Story
Building Area1,368 sqft Gross Area
1st Floor Area1,368 sqft
Basement Area1,026 sqft
Finished Basement1,026 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 1980
Architectural StyleRanch
Exterior MaterialBrick
Construction TypeFrame
Lot Area15,661 sqft (0.359 acres)
Garage Area480 sqft
Deck Area341 sqft
Storage Building192 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Account Number1082711
Street Address823 S CENTRAL AVE
CityELY
StateMN
Zip55731-1338
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSLY 58.33 FT OF OUTLOT 4 & OUTLOT 5INC PART OF VAC ALLEY ADJ SERIAL #
Legal SubdivisionFORTIERS PLAT NE 1 4 OF SE 1 4
Legal Lot Number5I
JurisdictionST LOUIS MN
Township / Civil DivisionMORSE
Census Block Group2
Census Block2162
Census Tract15401

Owner

Source: St. Louis County records · APN 465-0100-00055

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 RecordIndividual Name on File
Mailing Address823 S CENTRAL AVE, ELY, MN 55731-1338
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 08, 2020Deed of Trust, Mortgage · Line of Credit
FRANDSEN BK&TR
Dec 17, 2019Grant Deed, Transfer
FRANDSEN BK&TR

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 17, 2019 · Amount on Record
Deed SaleDec 17, 2019 · Amount on Record
Deed Document Number20191369725
Last Transfer DateJun 28, 2025
Transfer Doc0001514991
Record UpdatedSep 20, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST LOUIS MN
Property Address823 S CENTRAL AVE, ELY, MN 55731-1338
Document Number00A1376152
Instrument DateFeb 08, 2020
Transaction TypeMortgage
Record UpdatedMay 25, 2020
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address823 S CENTRAL AVE ELY MN 557311338, ELY, MN 55731-1338

Mortgage

Document Number00A1376152
DateMar 18, 2020
InstrumentA1376152
Lender
NameFRANDSEN BK&TR
TypeBank
AddressELY, MN 55731
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueMar 17, 2025
Interest
Rate TypeAdjustable Rate

December 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST LOUIS MN
Recording DateDec 17, 2019
Property Address823 S CENTRAL AVE, ELY, MN 55731-1338
Document Number00A1369725
Instrument DateDec 06, 2019
InstrumentA1369725
Transaction TypeTransfer
Record UpdatedJan 07, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$577.17
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address823 S CENTRAL AVE ELY MN 557311338, ELY, MN 55731-1338

Mortgage

Document NumberA1369726
DateDec 17, 2019
InstrumentA1369726
Lender
NameFRANDSEN BK&TR
TypeBank
AddressNEW ULM, MN 56073
Agreement
AmountAmount Recorded
Term360 Months
DueDec 16, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
County SubdivisionMorse Township
Unified School DistrictEly Public 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.

YearTax BillAssessed ValueAssessed Market Value
2026$1,912.00 (+6.58%) Homeowner's exemption
2025$1,794.00 (-17.48%) Homeowner's exemption$275,700 (+7.7%) Land $21,100 Building $254,600$275,700 (+7.7%) Land $21,100 Building $254,600
2024$2,174.00$256,000 (+17.27%) Land $20,000 Building $236,000$256,000 (+17.27%) Land $20,000 Building $236,000
2022$218,300 Land $18,600 Building $199,700$218,300 Land $18,600 Building $199,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370154012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies4 in force

Wildfire

Wildfire RiskModerate
above 54% of the US · above 81% of Minnesota
Wildfire LikelihoodAbout 1 in 649 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 74 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
Midcontinent CommunicationsFiber5,000 / 5,000
Treehouse BroadbandFixed Wireless (unlicensed)1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Zito West Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.

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