See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

52 W Chandler St, Ely, MN, 55731

0beds
1baths
786sqft
$249,000
$317price/sqft
$1,990/moest. monthly cost
$79,600/yrincome needed

About This Home

Walking distance from Ely, wooded and private, this 1/2+ acre, lot hosts two well cared for 1890's era historic Finnish homes along with the original sauna and carriage house / workshop. Homes are both small (<1000 sf) on 2 levels with large decks. "Kettu" is heated and hooked up to city water/sewer, while "Peregrine" is finished upstairs and still needs water/sewer and heat. Each small house has it's own driveway with room for a garage. All 4 buildings have siding shingles over the original Finnish vertical logs and have newer roofs. Strong, dry, block and rock foundations are built into the north facing slope. The Carriage house is 22 x 19.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

5/10
6/10
Memorial Middle SchoolGrades 6-80.7 mi
9/10
Memorial SecondaryGrades 9-120.7 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Stone
  • Construction materials: Log,Wood,Frame/Wood,Log Home

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater-Electric,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Dryer Hook-Ups,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Egress Windows,Partially Finished,Utility Room,Washer Hook-Ups,Dryer Hook-Ups

Bathroom

  • Level: Main
  • Area: 28
  • Dimensions: 7 x 4

Bedrooms & Bathrooms

  • Bathrooms: 1
  • 3/4 bathrooms: 1

Bonus Room

  • Level: Main
  • Area: 121
  • Dimensions: 11 x 11

Deck

  • Level: Main
  • Area: 192
  • Dimensions: 12 x 16

Deck

  • Level: Main
  • Area: 144
  • Dimensions: 9 x 16

Deck

  • Level: Main
  • Area: 49
  • Dimensions: 7 x 7

Entry Hall

  • Level: Main
  • Area: 28
  • Dimensions: 4 x 7

Features

  • Eat In Kitchen,Natural Woodwork,Sauna,Foyer-Entrance
  • Door features: Patio Door
  • Finished area below ground: 386
  • Finished area above ground: 400

Heating

  • Heating features: Forced Air,Oil

Interior Area

  • Total interior livable area: 786 sqft

Kitchen

  • Level: Main
  • Area: 121
  • Dimensions: 11 x 11

Living Room

  • Level: Main
  • Area: 140
  • Dimensions: 14 x 10

Other

  • Level: Main
  • Area: 140
  • Dimensions: 10 x 14

Other

  • Level: Basement
  • Area: 280
  • Dimensions: 14 x 20

Sauna

  • Level: Main
  • Area: 153
  • Dimensions: 9 x 17

Property

Details

  • Parcel number: 030003002580
  • Other equipment: Fuel Tank-Owned
  • Foundation area: 330

Features

  • Patio & porch: Deck
  • Exterior features: Rain Gutters

Lot

  • Lot size: 0.60 Acres
  • Lot size dimensions: 150 x 125

Parking

  • Total spaces: 1
  • Parking features: Gravel,Detached,Dirt Floor
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Heat Wave

FEMA Declared Disasters in St. Louis County and Minnesota

Fire
Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,259$15,108
Home Insurance *$166$1,992
Property Taxes $395$4,740
Electricity $170$2,050
Total$1,990$23,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,228/yr
40% on housing$59,700/yr
45% on housing$53,066/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.6%
6.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.8%
2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$317This listing

vs Other Active Listings

Avg $/sqft

ZIP 55731$217
St. Louis County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 55731
St. Louis County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-09-23Listed for sale$249,000
2021-03-30Sold$130,000
2020-06-16Pending sale$123,500
2020-06-12Listed for sale$123,500

For Sale by Agent

AgentPatricia Bulinski
BrokerageBear Island Realty LLC

Similar Homes