1565 White Cloud Dr S, Isle, MN 56342 Property Records

Mille Lacs County property record for 1565 White Cloud Dr S, Isle, MN 56342

Property Summary

Property Type	Single Family Home
Details	1,719 sqft · built 1982
Lot Size	0.67 acres (29,199 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Oct 2018)
Tax Bill	$8,570 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`20-560-0180`

Property Details

APN / Parcel Number

Primary APN	`20-560-0180`

Interior

Building Area	1,719 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	29,199 sqft (0.67 acres)
Garage Type	Mixed
Garage Area	1,740 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Deck Area	625 sqft
Cabin	570 sqft

Location & Zoning

Street Address	1565 WHITE CLOUD DR S
City	ISLE
State	MN
Zip	56342-2671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& LOT 18 BLK 1 & TR ADJ ON S, BEING N 50 FT ON E LINE & N 25 FT ON W LINE OF OUTLOT 1
Legal Range	25
Legal Township	42
Legal Section	03
Legal Subdivision	MALONE ISLAND ESTATES
Legal Block	1
Legal Lot Number	17
Jurisdiction	MILLE LACS MN
Township / Civil Division	ISLE
Census Block Group	1
Census Block	1012
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
Mailing Address	1565 WHITE CLOUD DR S, ISLE, MN 56342-2671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Oct 26, 2018	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC
Oct 26, 2018	Intrafamily Transfer, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2018 · Amount on File
Deed Sale	Oct 26, 2018 · Amount on File
Deed Document Number	2018408812
Prior Transfer Date	Aug 24, 2018
Prior Transfer Doc	A408808
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	1565 WHITE CLOUD DR S, ISLE, MN 56342-2671
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A427953
Date	Nov 5, 2021
Instrument	A427953

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 26, 2018
Property Address	1565 WHITE CLOUD DR S, ISLE, MN 56342-2671
Document Number	A408812
Instrument Date	Oct 12, 2018
Instrument	A408812
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1565 WHITE CLOUD DR S, ISLE, MN 56342-2671

Mortgage

Document Number	A408813
Date	Oct 26, 2018
Instrument	A408813

Lender

Name	PACIFIC UNION FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLE LACS MN
Recording Date	Oct 26, 2018
Property Address	1565 WHITE CLOUD DR S, ISLE, MN 56342-2671
Document Number	A408808
Instrument Date	Aug 24, 2018
Instrument	A408808
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

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	$8,570.00 (+12.41%)	$574,300 (+2.63%) Land $170,200 Building $404,100	$574,300 (+2.63%) Land $170,200 Building $404,100
2025	$7,624.00 (+12.22%) Homeowner's exemption	$559,600 (+15.55%) Land $170,200 Building $389,400	$559,600 (+15.55%) Land $170,200 Building $389,400
2023	$6,794.00	$484,300 Land $155,600 Building $328,700	$484,300 Land $155,600 Building $328,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	1,254.0 ft
Flood Insurance Requirement	Required federally backed loans
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

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