3811 Chain O Lakes Rd, Eagle River, WI 54521 Property Records

Vilas County property record for 3811 Chain O Lakes Rd, Eagle River, WI 54521

Property Summary

Property Type	Single Family Home
Lot Size	0.555 acres (24,204 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (May 2022)
Tax Bill	$5,342 (2025)
Deeds & Mortgages	Jan 2024 Construction Loan May 2022 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-299-30`

Property Details

APN / Parcel Number

Primary APN	`26-299-30`
Alternative APN	`3 CS 2`

Exterior

Lot Area	24,204 sqft (0.555 acres)

Location & Zoning

Street Address	3811 CHAIN O LAKES RD
City	EAGLE RIVER
State	WI
Zip	54521-8868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 11CS152 PRT GOVT LOT 9
Legal Range	10E
Legal Township	40N
Legal Section	13
Legal Subdivision	CERTIFIED SURVEY MAP 3186
Legal Lot Number	2
Jurisdiction	VILAS WI
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3039
Census Tract	950201

Owner

3811 Chain O Lakes Rd is owned by two individuals who bought it in May 2022.

Source: Vilas County records, as of March 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3811 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8868
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
Jan 10, 2024	Deed of Trust, Mortgage · Construction Mortgage FIRST MID BANK & TRUST NA
May 5, 2022	Warranty Deed, Construction Loan · Construction Mortgage BLACKHAWK BANK
Oct 5, 2021	Warranty Deed, Transfer VILAS TITLE SERVICE INC
Sep 8, 2021	Deed, Transfer · Commercial Mortgage NICOLET NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2022 · Amount on File
Deed Sale	May 5, 2022 · Amount on File
Prior Sale	Oct 5, 2021 · Amount on File
Deed Document Number	2022593384
Prior Transfer Date	Mar 21, 2009
Prior Transfer Doc	01615/0447
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	3811 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6156 SCHAUMBURG LN, ROSCOE, IL 61073-9900

Mortgage

Document Number	0000606105
Date	Jan 10, 2024
Instrument	606105

Lender

Name	FIRST MID BANK & TRUST NA
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	5 Months
Due	Jun 28, 2024

May 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	May 5, 2022
Property Address	3811 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Document Number	0000593384
Map Reference	VOL11PG152MAP3186
Instrument Date	Apr 15, 2022
Instrument	593384
Transaction Type	Construction Loan
Record Updated	Apr 2, 2024

Transaction

Amount	Amount on Record
Tax	$825.00
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	0000593933
Date	May 5, 2022
Instrument	593933

Lender

Name	BLACKHAWK BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	9 Months
Due	Feb 25, 2023

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Oct 5, 2021
Property Address	3811 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Document Number	0000587632
Map Reference	VOL 11 PG 152
Instrument Date	Sep 7, 2021
Instrument	587632
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	VILAS TITLE SERVICE INC

Transaction

Amount	Amount on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	VILAS WI
Recording Date	Sep 8, 2021
Property Address	3811 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8804
Document Number	0000586794
Map Reference	VOL3 PG353 DOC445823
Instrument Date	Sep 7, 2021
Instrument	586794
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	VILAS TITLE SERVICE INC, VILAS TITLE SERVICES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$659.70
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000586619
Date	Sep 8, 2021
Instrument	586619

Lender

Name	NICOLET NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3811 Chain O Lakes Rd was $5,342.

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

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	Assessed Market Value
2025	$5,342.00	$842,000 Land $282,000 Building $560,000
2023	$2,308.00	$359,600 Land $282,000 Building $77,600
2022			$272,600

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

Flood

FEMA maps place 3811 Chain O Lakes Rd 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 June 5, 2012

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 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 3811 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 94% of the US · lower than 83% of Wisconsin
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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