Mille Lacs County property record for 1420 White Cloud Dr S, Isle, MN 56342
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 512 sqft · built 1989 |
| Lot Size | 0.202 acres (8,814 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,000 (Jul 2026) |
| Tax Bill | $1,966 (2026) |
| Deeds & Mortgages | Jul 2026 Sale Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-560-0560 |
| Primary APN | 20-560-0560 |
|---|
| Building Area | 512 sqft Living Area |
|---|
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 8,814 sqft (0.202 acres) |
| Deck Area | 204 sqft |
| Shed | 1 Shed |
| Street Address | 1420 WHITE CLOUD DR S |
|---|---|
| City | ISLE |
| State | MN |
| Zip | 56342 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Range | 25 |
| Legal Township | 42 |
| Legal Section | 02 |
| Legal Subdivision | MALONE ISLAND ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | ISLE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 970100 |
1420 White Cloud Dr S, a residential property, is owned and occupied by two individuals who bought it in July 2026.
Source: Mille Lacs County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1420 WHITE CLOUD DR S, ISLE, MN 56342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 1, 2026 | Warranty Deed, Transfer ALL AMERICAN TITLE |
| Aug 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on File |
| Deed Sale | Jul 1, 2026 · Amount on File |
| Prior Sale | Aug 26, 2019 · Amount on File |
| Deed Document Number | 2026451809 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jul 1, 2026 |
| Property Address | 1420 WHITE CLOUD DR S, ISLE, MN 56342 |
| Document Number | 0000451809 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 2026451809 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2026 |
| Title Company | ALL AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $76,325.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1420 WHITE CLOUD DR S, ISLE, MN 56342 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Aug 26, 2019 |
| Property Address | 1420 WHITE CLOUD DR S, ISLE, MN 56342 |
| Document Number | 000A412861 |
| Instrument Date | Aug 20, 2019 |
| Instrument | A412861 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2022 |
| Title Company | ESQUIRE TITLE, ESQUIRE TITLE SEREVICE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $398.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1994 HERSCHEL ST, ROSEVILLE, MN 55113-5607 |
| Document Number | 000A412862 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | A412862 |
| Name | HERITAGE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 1420 White Cloud Dr S was $1,966.
Source: Mille Lacs County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| Municipality | Isle City |
| Unified School District | Isle Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,966.00 | $142,400 (+4.94%) Land $66,600 Building $75,800 | $142,400 (+4.94%) Land $66,600 Building $75,800 |
| 2025 | $135,700 Land $66,600 Building $69,100 | $135,700 Land $66,600 Building $69,100 | |
| 2023 | $1,748.00 | $125,600 Land $61,200 Building $64,400 | $125,600 Land $61,200 Building $64,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1420 White Cloud Dr S in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2011–2019) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2019 · river or lake flooding |
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 risk around 1420 White Cloud Dr S is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Isle serves 820 people · EPA ID MN1480001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Midco Cable | 250 / 20 |
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