The haunting at the St. Elmo Hotel centers on the ghost of Annabelle Stark, who is said to watch over her family's former general store and scare off trespassers. While the hotel is the primary location of stories about Annabelle, the tales often involve the abandoned ghost town of St. Elmo where her family, the Starks, amassed their wealth and resided. The haunting is sometimes linked to a vision of Annabelle in a white dress, seen by a skier, who nodded in approval when trespassers were warned away. Annabelle Stark is the main figure associated with the haunting, often seen as a beautiful woman in a long white dress. The apparition is said to remain at the St. Elmo Hotel, a historic building that stands within the abandoned ghost town of St. Elmo. Annabelle's presence is often seen as a protective one, as she is believed to guard the general store where her family once worked and to scare away people with bad intentions. A skier once reported seeing Annabelle in front of a second-story window, staring at a group of snowmobilers. After the snowmobilers were warned to leave, Annabelle was seen nodding in approval. Annabelle's family, the Starks, were among the wealthiest and most prominent residents of the St. Elmo mining town. After the family matriarch passed away, Annabelle and her brother, Tony, continued to run the town and their businesses. Both Annabelle and Tony had difficult lives and were eventually placed in a mental institution, where they both died.