9391 Birch Lake Rd, Ely, MN 55731 Property Records

St. Louis County property record for 9391 Birch Lake Rd, Ely, MN 55731

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 896 sqft · built 2019
Lot Size	12 acres (523,591 sqft)
Owner	Individual Name on Record
Last Sale	$26,000 (Jul 2018)
Tax Bill	$1,468 (2026)
Deeds & Mortgages	May 2021 Mortgage Aug 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`610-0010-00440`

Property Details

APN / Parcel Number

Primary APN	`610-0010-00440`
Alternative APN	`1054006`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Gross Area
1st Floor Area	896 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	523,591 sqft (12 acres)
Deck Area	44 sqft
Storage Building	30 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1054006
Street Address	9392 BIRCH LAKE RD
City	ELY
State	MN
Zip	55731-8315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	SOUTH 404.64 FEET OF NORTH 898.73 FEET OFNE1/4 OF SE1/4, AS DEFINED BY LINES PARALLELWITH AND 898.73 FEET AND 494.09 FEET
Legal Range	12W
Legal Township	61N
Legal Section	03
Jurisdiction	ST LOUIS MN
Township / Civil Division	BIRCH LAKE
Census Block Group	2
Census Block	2098
Census Tract	15401

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	Individual Name on Record
Mailing Address	220 OAK AVE N, THIEF RIVER FALLS, MN 56701-2508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Aug 14, 2019	Deed of Trust, Construction Loan · Line of Credit UNITY BK
Jul 6, 2018	Warranty Deed, Transfer MINNCO CU
Jul 11, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jun 28, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Prior Sale	Jul 6, 2018 · Amount on Record
Deed Document Number	20181336224
Prior Transfer Date	Jun 26, 2008
Prior Transfer Doc	0001084497
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	9392 BIRCH LAKE RD, ELY, MN 55731-8315
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001413955
Date	May 14, 2021
Instrument	1413955

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Aug 14, 2019
Property Address	9392 BIRCH LAKE RD, ELY, MN 55731-8315
Document Number	00A1360833
Instrument Date	Jul 25, 2019
Instrument	A1360833
Transaction Type	Construction Loan
Record Updated	Nov 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9392 BIRCH LAKE RD ELY MN 55731, ELY, MN 55731

Mortgage

Document Number	00A1360833
Date	Aug 14, 2019
Instrument	A1360833

Lender

Name	UNITY BK
Type	Bank
Address	THIEF RIVER FALLS, MN 56701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 13, 2020

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 6, 2018
Property Address	9392 BIRCH LAKE RD, ELY, MN 55731-8315
Document Number	00A1335978
Instrument Date	Jun 19, 2018
Instrument	A1335978
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$74.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2319 294TH AVE NW ISANTI MN 550406042, ISANTI, MN 55040-6042

Mortgage

Document Number	A1335979
Date	Jul 6, 2018
Instrument	A1335979

Lender

Name	MINNCO CU
Type	Credit Union
Address	CAMBRIDGE, MN 55008

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 5, 2028

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 11, 2018
Property Address	9392 BIRCH LAKE RD, ELY, MN 55731-8315
Document Number	00A1336224
Instrument Date	Jun 19, 2018
Instrument	A1336224
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$85.80
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	220 OAKVIEW AVE N THIEF RIVER FALLS MN 56701, THIEF RIVER FALLS, MN 56701

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 28, 2017
Property Address	9392 BIRCH LAKE RD, ELY, MN 55731-8315
Document Number	00A1312167
Instrument Date	Jun 12, 2017
Instrument	A1312167
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$214.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3622 CHAPEL HILL RD JOHNSBURG IL 600512513, JOHNSBURG, IL 60051-2513

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	Ely Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,468.00 (-1.34%) Homeowner's exemption
2025	$1,488.00 (-0.8%) Homeowner's exemption	$208,300 (-) Land $72,800 Building $135,500	$208,300 (-) Land $72,800 Building $135,500
2024	$1,500.00	$208,300 (+24.88%) Land $72,800 Building $135,500	$208,300 (+24.88%) Land $72,800 Building $135,500
2022		$166,800 Land $60,100 Building $106,700	$166,800 Land $60,100 Building $106,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	High above 80% of the US · above 93% of Minnesota
Wildfire Likelihood	0.3% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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