3653 Chain O Lakes Rd, Eagle River, WI 54521 Property Records

Vilas County property record for 3653 Chain O Lakes Rd, Eagle River, WI 54521

Property Summary

Property Type	Single Family Home
Lot Size	1.95 acres (84,942 sqft)
Owner	Trust Name on File
Tax Bill	$3,526 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-224`

Property Details

APN / Parcel Number

Primary APN	`26-224`
Alternative APN	`1 GL 6-6`

Exterior

Lot Area	84,942 sqft (1.95 acres)

Location & Zoning

Street Address	3653 CHAIN O LAKES RD
City	EAGLE RIVER
State	WI
Zip	54521-8804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRT GOVT LOT 6
Jurisdiction	VILAS WI
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3039
Census Tract	950201

Owner

3653 Chain O Lakes Rd is owner-occupied and held in a trust since February 2025.

Source: Vilas County records, as of February 19, 2026

Owner of Record	Trust Name on File
Mailing Address	3653 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage NICOLET NATIONAL BANK
Oct 18, 2019	Deed of Trust, Mortgage · Line of Credit MBANK
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage MBANK
Feb 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage MBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 19, 2025
Transfer Doc	0000614134
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	3653 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	588982
Date	Nov 15, 2021
Instrument	588982

Lender

Name	NICOLET NATIONAL BANK
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	3653 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	VILAS TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	565883
Date	Oct 18, 2019
Instrument	565883

Lender

Name	MBANK
Type	Bank
Address	MANISTIQUE, MI 49854

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 12, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	3653 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VILAS TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	565882
Date	Oct 18, 2019
Instrument	565882

Lender

Name	MBANK
Type	Bank
Address	MASON, MI 48854

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	3653 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Transaction Type	Mortgage
Record Updated	Mar 15, 2019
Title Company	VILAS TITLE SERVICE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	560250
Date	Feb 15, 2019
Instrument	560250

Lender

Name	MBANK
Type	Bank
Address	MANISTIQUE, MI 49854

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3653 Chain O Lakes Rd was $3,526 with a homeowner's exemption.

Source: Vilas County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Vilas County
County Subdivision	Washington Town
Unified School District	Northland Pines School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,526.00 Homeowner's exemption	$571,000 Land $339,200 Building $231,800
2023	$3,686.00	$571,000 Land $339,200 Building $231,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3653 Chain O Lakes Rd 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 June 5, 2012

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3653 Chain O Lakes Rd is low, with less than 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 81% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
SonicNet Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chain O Lakes Rd

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