1685 White Cloud Dr N, Isle, MN 56342 Property Records

Mille Lacs County property record for 1685 White Cloud Dr N, Isle, MN 56342

Property Summary

Property Type	Seasonal / Vacation Home
Details	962 sqft · built 1980
Lot Size	0.423 acres (18,438 sqft)
Owner	Company Name on File
Last Sale	$362,000 (Dec 2021)
Tax Bill	$8,134 (2026)
Deeds & Mortgages	Jun 2023 Transfer Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-560-0270`

Property Details

APN / Parcel Number

Primary APN	`20-560-0270`

Interior

Building Area	962 sqft Living Area
Basement Area	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	18,438 sqft (0.423 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	1,311 sqft
Shed	1 Shed
Shed Area	192 sqft
Storage Building	Storage Building

Location & Zoning

Street Address	1685 WHITE CLOUD DR N
City	ISLE
State	MN
Zip	56342
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	& E 1/2 OF LOT 9 BLK 2
Legal Range	25
Legal Township	42
Legal Section	03
Legal Subdivision	MALONE ISLAND ESTATES
Legal Block	2
Legal Lot Number	10
Jurisdiction	MILLE LACS MN
Township / Civil Division	ISLE
Census Block Group	1
Census Block	1012
Census Tract	970100

Owner

1685 White Cloud Dr N, a residential property, is owned by a company that acquired it in March 2023.

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

Owner of Record	Company Name on File
Mailing Address	1113 LAKEMOOR DR, SAINT PAUL, MN 55129-5307
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 27, 2021	Warranty Deed, Transfer · Conventional Mortgage HIWAY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2021 · Amount on File
Deed Sale	Dec 27, 2021 · Amount on File
Deed Document Number	2021428933
Last Transfer Date	Mar 20, 2023
Transfer Doc	000A436691
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 16, 2023
Property Address	1685 WHITE CLOUD DR N, ISLE, MN 56342
Document Number	000A436691
Instrument Date	Mar 20, 2023
Instrument	A436691
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1113 LAKEMOOR DR, WOODBURY, MN 55129-5307

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Dec 27, 2021
Property Address	1685 WHITE CLOUD DR N, ISLE, MN 56342
Document Number	000A428933
Instrument Date	Sep 29, 2021
Instrument	A428933
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,194.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1113 LAKEMOOR DR, SAINT PAUL, MN 55129-5307
Investor	Possibly a Property Investor

Mortgage

Document Number	000A428934
Date	Dec 27, 2021
Instrument	A428934

Lender

Name	HIWAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1685 White Cloud Dr N was $8,134, up 10.9% from the year before.

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	$8,134.00 (+10.91%)	$563,800 (+3.58%) Land $249,700 Building $314,100	$563,800 (+3.58%) Land $249,700 Building $314,100
2025	$7,334.00	$544,300 Land $249,700 Building $294,600	$544,300 Land $249,700 Building $294,600
2023	$6,482.00 (+11.91%)	$476,900 (+8.29%) Land $228,000 Building $248,900	$476,900 (+8.29%) Land $228,000 Building $248,900
2022	$5,792.00	$440,400 Land $219,600 Building $220,800	$440,400 Land $219,600 Building $220,800

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

Flood

FEMA maps place 1685 White Cloud Dr N 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

Wildfire risk around 1685 White Cloud Dr N 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 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 Dr N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures