315 S 1st St, Eagle River, WI 54521 Property Records

Vilas County property record for 315 S 1st St, Eagle River, WI 54521

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$107,000 (Sep 2021)
Tax Bill	$1,586 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2020 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`221-746`

Property Details

APN / Parcel Number

Primary APN	`221-746`
Alternative APN	`1 PL 9-9`

Exterior

Lot Area	9,148 sqft (0.21 acres)

Location & Zoning

Street Address	315 S 1ST ST
City	EAGLE RIVER
State	WI
Zip	54521-7355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 9 ORIGINAL PLAT EAGLE RIVER
Legal Range	10E
Legal Township	40N
Legal Section	33
Legal Subdivision	EAGLE RIVER
Legal Block	9
Legal Lot Number	9
Jurisdiction	VILAS WI
Township / Civil Division	EAGLE RIVER
Census Block Group	1
Census Block	1102
Census Tract	950501

Owner

Source: Vilas County records, as of March 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	40017 HUMACO BAY, BOYNTON BEACH, FL 33436-1941
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage RIPCO CU
Nov 9, 2020	Deed of Trust, Mortgage · Construction Mortgage INEIGHBORHOOD MORTGAGE SOLUTIONS LLC
Jan 6, 2026	Deed of Trust, Mortgage · Line of Credit INCREDIBLEBANK
Oct 13, 2025	Warranty Deed, Transfer · Conventional Mortgage INCREDIBLEBANK
Sep 15, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Jul 18, 2006 · Amount on Record
Deed Document Number	2021586987
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	315 S 1ST ST, EAGLE RIVER, WI 54521-7355
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	NORTHWOODS TITLE AND CLOSING, NORTHWOODS TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000576891
Date	Nov 9, 2020
Instrument	576891

Lender

Name	RIPCO CU
Type	Credit Union
Address	RHINELANDER, WI 54501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	315 S 1ST ST, EAGLE RIVER, WI 54521-7355
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	NORTHWOODS TITLE AND CLOSING, NORTHWOODS TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000576892
Date	Nov 9, 2020
Instrument	576892

Lender

Name	INEIGHBORHOOD MORTGAGE SOLUTIONS LLC
Address	RHINELANDER, WI 54501

Agreement

Type	Construction Mortgage

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	315 S 1ST ST, EAGLE RIVER, WI 54521-7355
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000620983
Date	Jan 6, 2026
Instrument	620983

Lender

Name	INCREDIBLEBANK
Type	Bank
Address	WAUSAU, WI 54401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 25, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Oct 13, 2025
Property Address	315 S 1ST ST, EAGLE RIVER, WI 54521-7355
Document Number	0000619159
Map Reference	VOL 1 PG 5
Instrument Date	Oct 10, 2025
Instrument	619159
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	UNKNOWN, TRUE NORTH TTL HOLDINGS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	315 S 1ST ST, EAGLE RIVER, WI 54521-7355

Mortgage

Document Number	0000619160
Date	Oct 13, 2025
Instrument	619160

Lender

Name	INCREDIBLEBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Sep 15, 2021
Property Address	315 S 1ST ST, EAGLE RIVER, WI 54521-7355
Document Number	0000586987
Map Reference	VOL 1 PG 5
Instrument Date	Sep 15, 2021
Instrument	586987
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	NORTHWOODS TITLE AND CLOSING SERVICES, NORTHWOODS TTL & CLOSING SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$321.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000586988
Date	Sep 15, 2021
Instrument	586988

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Vilas County assessment roll, as of February 20, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Vilas County
Municipality	Eagle River City
Unified School District	Northland Pines School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,586.00 (+6.95%)	$129,000 (-) Land $28,500 Building $100,500
2024	$1,483.00 (+29.18%)	$129,000 (+116.44%) Land $28,500 Building $100,500
2023	$1,148.00	$59,600 Land $15,500 Building $44,100
2022			$71,600

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 June 5, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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	EAGLE RIVER WATERWORKS serves 1,530 people · EPA ID WI7640113
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Norvado Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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