3864 Chain O Lakes Rd, Eagle River, WI 54521 Property Records

Vilas County property record for 3864 Chain O Lakes Rd, Eagle River, WI 54521

Property Summary

Property Type	Single Family Home
Lot Size	1.74 acres (75,794 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Apr 2023)
Tax Bill	$1,198 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3 GL 10-17`

Property Details

APN / Parcel Number

Primary APN	`3 GL 10-17`
Alternative APN	`26-265`

Exterior

Lot Area	75,794 sqft (1.74 acres)

Location & Zoning

Street Address	3864 CHAIN O LAKES RD
City	EAGLE RIVER
State	WI
Zip	54521-8801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRT GOVT LOT 10 PCL 4
Jurisdiction	VILAS WI
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3038
Census Tract	950201

Owner

3864 Chain O Lakes Rd is owned by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	21504 ENGLISH CIR, FRANKFORT, IL 60423-2283
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
Apr 11, 2023	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Aug 22, 2022	Warranty Deed, Transfer VILAS TITLE SERVICE INC, VILAS TITLE SERVICES INC
Nov 12, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 15, 2017	Personal Representative Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2023 · Amount on File
Deed Sale	Apr 11, 2023 · Amount on File
Prior Sale	Mar 15, 2017 · Amount on File
Deed Document Number	600646
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Apr 11, 2023
Property Address	3864 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8801
Document Number	0000600646
Instrument Date	Mar 28, 2023
Instrument	600646
Transaction Type	Transfer
Record Updated	Jul 26, 2023
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	$750.00
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

Mortgage

Document Number	0000600647
Date	Apr 11, 2023
Instrument	600647

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VILAS WI
Recording Date	Aug 22, 2022
Property Address	3864 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8801
Document Number	0000596064
Instrument Date	Aug 17, 2022
Instrument	596064
Transaction Type	Transfer
Record Updated	Apr 27, 2023
Title Company	VILAS TITLE SERVICE INC, VILAS TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$615.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VILAS WI
Property Address	3864 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8801
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	588901
Date	Nov 12, 2021
Instrument	588901

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

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

Interest

Change Frequency	2 Years

March 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	VILAS WI
Recording Date	Mar 15, 2017
Property Address	3864 CHAIN O LAKES RD, EAGLE RIVER, WI 54521-8801
Document Number	0000544684
Instrument Date	Mar 13, 2017
Instrument	544684
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	VILAS TITLE SERVICE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
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	0000544685
Date	Mar 15, 2017
Instrument	544685

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3864 Chain O Lakes Rd was $1,198.

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	Assessed Market Value
2025	$1,198.00	$192,400 Land $26,800 Building $165,600
2023	$1,218.00 (+21.68%)	$192,400 (+99.59%) Land $26,800 Building $165,600
2022	$1,001.00	$96,400 Land $25,200 Building $71,200	$144,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3864 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 3864 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	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

Nearby Properties on Chain O Lakes Rd

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