445 E Isle St, Isle, MN 56342 Property Records

Mille Lacs County property record for 445 E Isle St, Isle, MN 56342

Property Summary

Property Type	Single Family Home
Details	1,344 sqft · built 2000
Lot Size	1.04 acres (45,372 sqft)
Owner	Individual Name on Record
Tax Bill	$3,998 (2026)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`20-340-0010`

Property Details

APN / Parcel Number

Primary APN	`20-340-0010`

Interior

Building Area	1,344 sqft Total Area
Basement Area	1,344 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	45,372 sqft (1.04 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Deck Area	256 sqft

Location & Zoning

Street Address	445 E ISLE ST
City	ISLE
State	MN
Zip	56342-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	25
Legal Township	42
Legal Section	11
Legal Subdivision	HABECK ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	MILLE LACS MN
Township / Civil Division	ISLE
Census Block Group	1
Census Block	1027
Census Tract	970100

Owner

Source: Mille Lacs County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	445 E ISLE ST, ISLE, MN 56342-2650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	445 E ISLE ST, ISLE, MN 56342-2650
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A430816
Date	Apr 18, 2022
Instrument	A430816

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 5, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
Municipality	Isle City
Unified School District	Isle Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,998.00 (+12.56%)
2025		$284,900 (+7.27%) Land $41,200 Building $243,700	$284,900 (+7.27%) Land $41,200 Building $243,700
2023	$3,552.00	$265,600 Land $35,200 Building $230,400	$265,600 Land $35,200 Building $230,400

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2011–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2019 · river or lake flooding

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 62% of the US · above 67% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Isle serves 820 people · EPA ID MN1480001
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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