3704 Chain O Lakes Rd, Eagle River, WI 54521 Property Records

Vilas County property record for 3704 Chain O Lakes Rd, Eagle River, WI 54521

Property Summary

Property Type	Single Family Home
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$313,000 (Feb 2021)
Tax Bill	$2,662 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-241-12`

Property Details

APN / Parcel Number

Primary APN	`26-241-12`
Alternative APN	`4 GL 8-16`

Exterior

Lot Area	65,340 sqft (1.5 acres)

Location & Zoning

Street Address	3704 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 8
Jurisdiction	VILAS WI
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3038
Census Tract	950201

Owner

3704 Chain O Lakes Rd is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3704 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Occupancy	Owner Occupied
Owner Type	Individual

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 8, 2021	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Jan 8, 2018	Deed of Trust, Mortgage PARAGON BANK
Feb 10, 2021	Warranty Deed, Transfer · ARM COMMUNITY FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2021 · Amount on File
Deed Sale	Feb 10, 2021 · Amount on File
Deed Document Number	580156
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	3704 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	588677
Date	Nov 8, 2021
Instrument	588677

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	APPLETON, WI 54912

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	72 Months
Due	Nov 8, 2027

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	3704 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	551256
Date	Jan 8, 2018
Instrument	551256

Lender

Name	PARAGON BANK
Type	Bank
Address	ATLANTA, GA 30329

Agreement

Amount	Amount on Record

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Feb 10, 2021
Property Address	3704 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Document Number	0000580156
Instrument Date	Feb 5, 2021
Instrument	580156
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	VILAS TITLE SERVICE INC, VILAS TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$939.00
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	0000580157
Date	Feb 10, 2021
Instrument	580157

Lender

Name	COMMUNITY FIRST CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.49%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2026
Change Frequency	Annually
Min Rate At Change	2.49%
Max Rate At Change	4.49%
Index	1-Year LIBOR
Max Rate	8.49%

Tax Assessment & Valuation

The 2025 property tax bill for 3704 Chain O Lakes Rd was $2,662 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	$2,662.00 Homeowner's exemption	$435,600 Land $26,000 Building $409,600
2023	$2,570.00 Homeowner's exemption	$420,700 Land $26,000 Building $394,700

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

Flood

FEMA maps place 3704 Chain O Lakes Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3704 Chain O Lakes Rd 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 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: SonicNet.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chain O Lakes Rd

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