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Single Family ResidenceResidential
$523,180$481 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

686 POINT DR

ELY, MN 55731
3
Beds
2
Baths
1,088 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.92 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$523K
$498K low$549K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,110 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$628,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$355,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$272,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$660,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$628,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.33
23
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
39
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
60
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.3 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyLAKE
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2005
Lot (acres)The size of the land the home sits on, from county records.2.92
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.Pool W/Hot Tub/Spa
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.SaunaDeck · 50 ft²Porch · 54 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Two Harbors Secondary SchoolB+
Middle · Grades 6–12 · 59.6 mi
E
Minnehaha Elementary SchoolB
Elementary · Grades PK–5 · 61.4 mi

District: Lake Superior Public School District

Neighborhood · ZIP 55731These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.157
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.12

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.57%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.6,010
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,740
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,169
Average tempThe average temperature here across a full year.37°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

686 Point Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 85% of homes in Ely 55731
  • Costs more per square foot than 86% of homes in Ely 55731
  • Has a bigger lot than 69% of homes in Ely 55731

What homes are worth in Ely 55731

Each bar is how many homes fall in that price range. The marker is this home.

This home
$75K$900K

This home is worth more than 85% of homes in Ely 55731.

How it measures up in Ely 55731

The dot is this home. The mark in the middle is the typical home in Ely 55731.

Estimated value$523,180
CheaperTypical $233,570Pricier

Pricier than 85% of homes nearby

Price per ft²$481
CheaperTypical $207Pricier

Pricier than 86% of homes nearby

Living area1,088 ft²
SmallerTypical 1,072 ft²Bigger

Bigger than 52% of homes nearby

Lot size2.92 ac
SmallerTypical 1.16 acBigger

Bigger than 69% of homes nearby

Year built1989
OlderTypical 1976Newer

Newer than 62% of homes nearby

How 686 Point Dr ranks against every home in each area.
MeasureThis homeEly 55731Lake County
Estimated valuepricier than$523,18085% of homes83% of homes
Price per ft²pricier than$48186% of homes86% of homes
Living areabigger than1,088 ft²52% of homes62% of homes
Lot sizebigger than2.92 ac69% of homes60% of homes
Year builtnewer than198962% of homes62% of homes

About 686 Point Dr

How much is 686 Point Dr, Ely, MN worth?

The TopHap Estimate for 686 Point Dr, Ely, MN is $523,180 as of Aug 30, 2026. The likely range is $497,549 to $548,811. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 686 Point Dr, Ely, MN last sell?

686 Point Dr, Ely, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 686 Point Dr, Ely, MN?

686 Point Dr, Ely, MN has 3 bedrooms, 2 bathrooms, 1,088 square feet of living space and a 2.92-acre lot.

When was 686 Point Dr, Ely, MN built?

686 Point Dr, Ely, MN was built in 1989, making it 37 years old. The building has 1 story.

What schools serve 686 Point Dr, Ely, MN?

686 Point Dr, Ely, MN is assigned to Two Harbors Secondary School (middle), rated B+; Minnehaha Elementary School (elementary), rated B. All sit in Lake Superior Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 686 Point Dr, Ely, MN compare to other homes in Ely 55731?

Among the 5,981 homes in Ely 55731, it is worth more than 85% of them ($523,180 against a typical $233,570), its price per square foot is higher than 86% of them ($481 against a typical $207), it is bigger than 52% of them (1,088 ft² against a typical 1,072 ft²), its lot is bigger than 69% of them (2.92 ac against a typical 1.16 ac) and it is newer than 62% of them (1989 against a typical 1976). Measured against all of Lake County, it is worth more than 83% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 686 Point Dr, Ely, MN?

The 2025 property tax bill for 686 Point Dr, Ely, MN was $4,110. The county assessed it at $628,600.

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Assigned schools

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