44369 Bow Ln, Isle, MN 56342 Property Records

Mille Lacs County property record for 44369 Bow Ln, Isle, MN 56342

Property Summary

Property Type	Seasonal / Vacation Home
Details	1,336 sqft · built 1971
Lot Size	0.319 acres (13,931 sqft)
Owner	2 Individual Names on Record
Last Sale	$13,939 (Jan 2023)
Tax Bill	$5,266 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`05-560-0120`

Property Details

APN / Parcel Number

Primary APN	`05-560-0120`

Interior

Building Area	1,336 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	13,931 sqft (0.319 acres)
Garage Type	Mixed
Garage Area	1,700 sqft
Parking Spaces	6 Parking Spaces

Location & Zoning

Street Address	44369 BOW LN
City	ISLE
State	MN
Zip	56342-9100
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	& LOT 13 BLK 1 & UNDIV 1/27 INT IN N 21 FT OF LOT 15 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	12
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	44369 BOW LN, ISLE, MN 56342-9100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2020	Deed of Trust, Mortgage · ARM SPIRE CU
Jun 14, 2019	Deed of Trust, Mortgage · ARM SPIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2023 · Amount on Record
Deed Sale	Jan 30, 2023 · Amount on Record
Prior Sale	Oct 30, 2015 · Amount on Record
Deed Document Number	2023434997
Prior Transfer Date	Jan 25, 2023
Prior Transfer Doc	0000434997
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	44369 BOW LN, ISLE, MN 56342-9100
Transaction Type	Mortgage
Record Updated	May 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A416708
Date	Apr 17, 2020
Instrument	A416708

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	6.25%
Index	1-Year CMT

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	44369 BOW LN, ISLE, MN 56342-9100
Transaction Type	Mortgage
Record Updated	Jul 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A411799
Date	Jun 14, 2019
Instrument	A411799

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2029

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.88%
Index	1-Year T-Bill

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	$5,266.00 (+1.27%)	$553,000 (+6.24%) Land $239,600 Building $313,400	$553,000 (+6.24%) Land $239,600 Building $313,400
2025		$520,500 (+4.54%) Land $231,100 Building $289,400	$520,500 (+4.54%) Land $231,100 Building $289,400
2023	$5,200.00	$497,900 Land $218,800 Building $279,100	$497,900 Land $218,800 Building $279,100

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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