1800 White Cloud Dr E, Isle, MN 56342 Property Records

Mille Lacs County property record for 1800 White Cloud Dr E, Isle, MN 56342 · Last verified July 2026

Property Summary

Property Type	Other Improved
Details	1,822 sqft · built 1995
Lot Size	0.449 acres (19,589 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jul 2026)
Tax Bill	$3,002 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-560-0880`

Property Details

APN / Parcel Number

Primary APN	`20-560-0880`

Interior

Building Area	1,822 sqft Total Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Mobile Home
Lot Area	19,589 sqft (0.449 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	366 sqft

Location & Zoning

Street Address	1800 WHITE CLOUD DR E
City	ISLE
State	MN
Zip	56342-2670
Property Category	Other
Property Type	Other > Other Improved
Legal Description	& LOT 35 BLK 3
Legal Range	25
Legal Township	42
Legal Section	02
Legal Subdivision	MALONE ISLAND ESTATES
Legal Block	3
Legal Lot Number	34
Jurisdiction	MILLE LACS MN
Township / Civil Division	ISLE
Census Block Group	1
Census Block	1013
Census Tract	970100

Owner

Source: Mille Lacs County records · APN 20-560-0880

Assessment roll updated September 5, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1800 WHITE CLOUD DR E, ISLE, MN 56342-2670
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Jul 12, 2018	Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	May 16, 2024 · Amount on Record
Deed Document Number	2026451975
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 13, 2026
Property Address	1800 WHITE CLOUD DR E, ISLE, MN 56342-2670
Document Number	0000451975
Instrument Date	Jun 29, 2026
Instrument	2026451975
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	COUNTY ABSTRACT, STEARNS COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$99,990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1800 WHITE CLOUD DR E, ISLE, MN 56342-2670

Mortgage

Document Number	0000451976,
Date	Jul 13, 2026
Instrument	2026451976

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	1800 WHITE CLOUD DR E, ISLE, MN 56342-2670
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A421969
Date	Jan 13, 2021
Instrument	A421969

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	May 01, 2032

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 12, 2018
Property Address	1800 WHITE CLOUD DR E, ISLE, MN 56342-2670
Document Number	A406995
Instrument Date	Jul 09, 2018
Instrument	A406995
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1800 WHITE CLOUD DR E, ISLE, MN 56342-2670

Mortgage

Document Number	A406996
Date	Jul 12, 2018
Instrument	A406996

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,002.00 (+53.01%)
2025	$1,962.00 (+12,98%)	$162,600 (+4.36%) Land $68,600 Building $94,000	$162,600 (+4.36%) Land $68,600 Building $94,000
2023	$15.00	$155,800 Land $62,700 Building $93,100	$155,800 Land $62,700 Building $93,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mille Lacs County (27095C), updated March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270959701001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 75 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	250 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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