44339 Bow Ln, Isle, MN 56342 Property Records

Mille Lacs County property record for 44339 Bow Ln, Isle, MN 56342

Property Summary

Property Type	Seasonal / Vacation Home
Details	1,144 sqft · built 1970
Lot Size	2.52 acres (109,771 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Jul 2023)
Tax Bill	$4,094 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`05-560-0090`

Property Details

APN / Parcel Number

Primary APN	`05-560-0090`

Interior

Building Area	1,144 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	109,771 sqft (2.52 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	320 sqft
Shed	1 Shed

Location & Zoning

Street Address	44339 BOW LN
City	ISLE
State	MN
Zip	56342
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	& S 30 FT OF LOT 10 BLK 1
Legal Range	25
Legal Township	43
Legal Section	22
Legal Subdivision	MU-HA-PI ACRES FIRST ADDITION REVISED
Legal Block	1
Legal Lot Number	9
Jurisdiction	MILLE LACS MN
Township / Civil Division	EAST SIDE
Census Block Group	2
Census Block	2011
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	15010 50TH ST NE, SAINT MICHAEL, MN 55376-1707
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage WINGS FINANCIAL FCU
Sep 28, 2020	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Sale	Sep 28, 2020 · Amount on Record
Deed Document Number	20231547350
Prior Transfer Date	Aug 15, 2005
Prior Transfer Doc	0000327226
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	44339 BOW LN, ISLE, MN 56342
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A437050
Date	Jul 14, 2023
Instrument	A437050

Lender

Name	WINGS FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	10.7%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 28, 2020
Property Address	44339 BOW LN, ISLE, MN 56342
Document Number	000A419518
Instrument Date	Sep 16, 2020
Instrument	A419518
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,481.70
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	44339 BOW LN, ISLE, MN 56342

Mortgage

Document Number	000A419519
Date	Sep 28, 2020
Instrument	A419519

Lender

Name	WATERSTONE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$4,094.00 (-0.1%)	$435,600 (+3.32%) Land $194,000 Building $241,600	$435,600 (+3.32%) Land $194,000 Building $241,600
2025	$4,098.00 (+2.4%)	$421,600 (+4.54%) Land $187,600 Building $234,000	$421,600 (+4.54%) Land $187,600 Building $234,000
2023	$4,002.00	$403,300 Land $177,600 Building $225,700	$403,300 Land $177,600 Building $225,700

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	1,254.0 ft
Flood Insurance Requirement	Required federally backed loans
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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.02% 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)
Starlink Satellite	280 / 30
Midco Cable	250 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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