1745 White Cloud Dr N, Isle, MN 56342 Property Records

Mille Lacs County property record for 1745 White Cloud Dr N, Isle, MN 56342

Property Summary

Property Type	Single Family Home
Details	1,246 sqft · built 1982
Lot Size	0.25 acres (10,903 sqft)
Owner	2 Individual Names on File
Last Sale	$646,500 (Jul 2025)
Tax Bill	$8,060 (2026)
Deeds & Mortgages	May 2022 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-560-0330`

Property Details

APN / Parcel Number

Primary APN	`20-560-0330`

Interior

Building Area	1,246 sqft Living Area
Basement Area	2,139 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	10,903 sqft (0.25 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	328 sqft

Location & Zoning

Street Address	1745 WHITE CLOUD DR N
City	ISLE
State	MN
Zip	56342-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	25
Legal Township	42
Legal Section	00
Legal Subdivision	MALONE ISLAND ESTATES
Legal Block	2
Legal Lot Number	16
Jurisdiction	MILLE LACS MN
Township / Civil Division	ISLE
Census Block Group	1
Census Block	1012
Census Tract	970100

Owner

1745 White Cloud Dr N is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1745 WHITE CLOUD DR N, ISLE, MN 56342-2608
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.

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK
Oct 3, 2019	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2025 · Amount on File
Deed Sale	Jul 7, 2025 · Amount on File
Prior Sale	Jul 19, 2023 · Amount on File
Deed Document Number	2025446824
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	1745 WHITE CLOUD DR N, ISLE, MN 56342-2608
Transaction Type	Mortgage
Record Updated	May 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A431020
Date	May 2, 2022
Instrument	A431020

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2027

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 3, 2019
Property Address	1745 WHITE CLOUD DR N, ISLE, MN 56342-2608
Document Number	A413540
Instrument Date	Sep 27, 2019
Instrument	A413540
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	EAST CENTRAL TITLE LLC, EAST CENTRAL TITLE TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
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	3504 RICHMOND AVE, SHOREVIEW, MN 55126-8034

Mortgage

Document Number	A413542
Date	Oct 3, 2019
Instrument	A413542

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1745 White Cloud Dr N was $8,060.

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	$8,060.00	$558,400 (+5%) Land $189,700 Building $368,700	$558,400 (+5%) Land $189,700 Building $368,700
2025		$531,800 Land $189,700 Building $342,100	$531,800 Land $189,700 Building $342,100
2023	$6,368.00	$450,400 Land $173,400 Building $277,000	$450,400 Land $173,400 Building $277,000

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

Flood

FEMA maps place 1745 White Cloud Dr N in Zone X, an area of minimal flood risk, within 100 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 100 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 1745 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

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