4368 460th St, Isle, MN 56342 Property Records

Mille Lacs County property record for 4368 460th St, Isle, MN 56342

Property Summary

Property Type	Seasonal / Vacation Home
Lot Size	0.022 acres (997 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Oct 2025)
Tax Bill	$826 (2026)
Deeds & Mortgages	Oct 2025 Sale Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-130-0380`

Property Details

APN / Parcel Number

Primary APN	`05-130-0380`

Exterior

Lot Area	997 sqft (0.022 acres)

Location & Zoning

Street Address	4368 460TH ST
City	ISLE
State	MN
Zip	56342-9296
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Range	25
Legal Township	43
Legal Section	09
Legal Subdivision	BREAKWATER RESORT CIC 34
Legal Block	1
Legal Lot Number	38
Jurisdiction	MILLE LACS MN
Township / Civil Division	EAST SIDE
Census Block Group	2
Census Block	2009
Census Tract	970100

Owner

Source: Mille Lacs County records, as of September 4, 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	4657 CROFOOT AVE NW, BUFFALO, MN 55313-3518
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Warranty Deed, Transfer ALL LEGAL TITLE COMPANY LLC, ALL AMER TITLE COMPANY LLC
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST
Jun 24, 2021	Warranty Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Jun 24, 2021 · Amount on Record
Deed Document Number	2025448382
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 16, 2025
Property Address	4368 460TH ST, ISLE, MN 56342
Document Number	000A448382
Instrument Date	Sep 22, 2025
Instrument	A448382
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	ALL LEGAL TITLE COMPANY LLC, ALL AMER TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	4657 CROFOOT AVE NW, BUFFALO, MN 55313-3518

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	4368 460TH ST, ISLE, MN 56342
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A428896
Date	Dec 23, 2021
Instrument	A428896

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2041

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2027
Change Frequency	3 Years
Min Rate At Change	2.45%
Max Rate At Change	10.1%
Index	3-Year CMT

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 24, 2021
Property Address	4368 460TH ST, ISLE, MN 56342
Document Number	A425341
Instrument Date	Jun 23, 2021
Instrument	A425341
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$92.40
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
Address	39188 HENNA AVE, NORTH BRANCH, MN 55056-5363

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
County Subdivision	East Side Township
Unified School District	Isle Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$826.00 (-2.36%)	$88,300 (-0.67%) Land $38,000 Building $50,300	$88,300 (-0.67%) Land $38,000 Building $50,300
2025	$846.00 (+169.43%)	$88,900 (+153.28%) Land $38,000 Building $50,900	$88,900 (+153.28%) Land $38,000 Building $50,900
2023	$314.00	$35,100 Land $33,500 Building $1,600	$35,100 Land $33,500 Building $1,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	0.02% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Cable · Fiber in parts of the area	250 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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