109 S Main St, Eagle River, WI 54521 Property Records

Vilas County property record for 109 S Main St, Eagle River, WI 54521

Property Summary

Property Type	Commercial
Lot Size	0.205 acres (8,930 sqft)
Owner	Individual Name on Record
Last Sale	$69,000 (Aug 2021)
Tax Bill	$2,214 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`221-535`

Property Details

APN / Parcel Number

Primary APN	`221-535`
Alternative APN	`2 PL 1-2`

Exterior

Lot Area	8,930 sqft (0.205 acres)

Location & Zoning

Street Address	109 S MAIN ST
City	EAGLE RIVER
State	WI
Zip	54521
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 2 BLK 1 PLAT NE NW
Legal Block	1
Legal Lot Number	2
Jurisdiction	VILAS WI
Township / Civil Division	EAGLE RIVER
Census Block Group	1
Census Block	1091
Census Tract	950501

Owner

Source: Vilas County records, as of February 19, 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
Co-owner	2 Co-owners on Record
Mailing Address	109 S MAIN ST, EAGLE RIVER, WI 54521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage COVANTAGE CU
Dec 20, 2019	Warranty Deed, Transfer · Conventional Mortgage COVANTAGE CU

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Dec 20, 2019 · Amount on Record
Deed Document Number	586508
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Aug 30, 2021
Property Address	109 S MAIN ST, EAGLE RIVER, WI 54521
Document Number	0000586508
Instrument Date	Aug 26, 2021
Instrument	586508
Transaction Type	Transfer
Record Updated	Mar 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 S MAIN ST, EAGLE RIVER, WI 54521

Mortgage

Document Number	0000586509
Date	Aug 30, 2021
Instrument	586509

Lender

Name	COVANTAGE CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.25%
Index	1-Year CMT
Margin	3
Max Rate	9.25%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Dec 20, 2019
Property Address	109 S MAIN ST, EAGLE RIVER, WI 54521
Document Number	0000567491
Instrument Date	Dec 19, 2019
Instrument	567491
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	NORTHWOODS TITLE AND CLOSING SERVICES, NORTHWOODS TTL & CLOSING SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 S MAIN ST, EAGLE RIVER, WI 54521

Mortgage

Document Number	0000567492
Date	Dec 20, 2019
Instrument	567492

Lender

Name	COVANTAGE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

Tax Assessment & Valuation

Source: Vilas County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Vilas County
Municipality	Eagle River City
Unified School District	Northland Pines School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,214.00 (+54.83%) Homeowner's exemption	$193,000 (+130.04%) Land $22,500 Building $170,500
2023	$1,430.00 Homeowner's exemption	$83,900 Land $15,600 Building $68,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective June 5, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAGLE RIVER WATERWORKS serves 1,530 people · EPA ID WI7640113
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Norvado Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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