1480 White Cloud Cir, Isle, MN 56342 Property Records

Mille Lacs County property record for 1480 White Cloud Cir, Isle, MN 56342

Property Summary

Property Type	Seasonal / Vacation Home
Details	1,542 sqft · built 1996
Lot Size	0.246 acres (10,716 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jan 2023)
Tax Bill	$4,238 (2026)
Deeds & Mortgages	Jan 2023 Sale Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-560-0640`

Property Details

APN / Parcel Number

Primary APN	`20-560-0640`

Interior

Building Area	1,542 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	10,716 sqft (0.246 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	102 sqft

Location & Zoning

Street Address	1480 WHITE CLOUD CIR
City	ISLE
State	MN
Zip	56342-2655
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	10
Jurisdiction	MILLE LACS MN
Township / Civil Division	ISLE
Census Block Group	1
Census Block	1013
Census Tract	970100

Owner

Source: Mille Lacs County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2023	Warranty Deed, Transfer TITLE ISSUES, TITLE ISLE
Jun 6, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2023 · Amount on File
Deed Sale	Jan 24, 2023 · Amount on File
Deed Document Number	2023434944
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jan 24, 2023
Property Address	1480 WHITE CLOUD CIR, ISLE, MN 56342-2655
Document Number	000A434944
Instrument Date	Jul 15, 2022
Instrument	A434944
Transaction Type	Transfer
Record Updated	Feb 15, 2023
Title Company	TITLE ISSUES, TITLE ISLE

Transaction

Amount	Amount on Record
Tax	$742.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1480 WHITE CLOUD CIR, ISLE, MN 56342-2655
Investor	Possibly a Property Investor

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	1480 WHITE CLOUD CIR, ISLE, MN 56342-2655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A400944
Date	Jun 6, 2017
Instrument	A400944

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
Municipality	Isle City
Unified School District	Isle Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,238.00 (+12.95%)	$299,000 (+3%) Land $67,000 Building $232,000	$299,000 (+3%) Land $67,000 Building $232,000
2025		$290,300 (+7.48%) Land $67,000 Building $223,300	$290,300 (+7.48%) Land $67,000 Building $223,300
2023	$3,752.00	$270,100 Land $61,500 Building $208,600	$270,100 Land $61,500 Building $208,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 78% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on White Cloud Cir

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