4985 Pine Lake Rd, Rhinelander, WI 54501 Property Records

Oneida County property record for 4985 Pine Lake Rd, Rhinelander, WI 54501

Property Summary

Property Type	Single Family Home
Lot Size	45 acres (1,962,814 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (May 2016)
Tax Bill	$3,236 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PL 288`

Property Details

APN / Parcel Number

Primary APN	`PL 288`

Exterior

Lot Area	1,962,814 sqft (45 acres)

Location & Zoning

Street Address	4985 PINE LAKE RD
City	RHINELANDER
State	WI
Zip	54501-8975
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOC 759816/368024 SE SE 45.06CA/-SA SM A3177
Legal Range	09E
Legal Township	37N
Legal Section	08
Jurisdiction	ONEIDA WI
Township / Civil Division	PINE LAKE
Census Block Group	2
Census Block	2019
Census Tract	970603

Owner

Source: Oneida County records, as of April 14, 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 File
Mailing Address	4985 PINE LAKE RD, RHINELANDER, WI 54501-8975
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Construction Mortgage PEOPLES STATE BANK
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage COVANTAGE CU
Aug 9, 2023	Special Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2016 · Amount on File
Deed Sale	May 6, 2016 · Amount on File
Deed Document Number	2016759816
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Recording Date	Apr 6, 2026
Property Address	4985 PINE LAKE RD, RHINELANDER, WI 54501-8975
Document Number	0000870392
Instrument Date	Mar 13, 2026
Instrument	2026870392
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4985 PINE LAKE RD, RHINELANDER, WI 54501-8975

Mortgage

Document Number	0000870392,
Date	Apr 6, 2026
Instrument	2026870392

Lender

Name	PEOPLES STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.09%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA WI
Property Address	419 IVERSON ST, RHINELANDER, WI 54501-2836
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000824216
Date	Aug 13, 2021
Instrument	824216

Lender

Name	COVANTAGE CU
Type	Credit Union
Address	ANTIGO, WI 54409

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ONEIDA WI
Recording Date	Aug 9, 2023
Property Address	419 IVERSON ST, RHINELANDER, WI 54501-2836
Document Number	0000845311
Instrument Date	Apr 5, 2023
Instrument	845311
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$8,807.70
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1512 E FRANKLIN ST STE 104, 104, CHAPEL HILL, NC 27514-2816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8809 LENOX POINTE DR UNIT B, B, CHARLOTTE, NC 28273-3377
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Oneida County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Oneida County
County Subdivision	Pine Lake Town
Unified School District	Rhinelander School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,236.00 (+16.15%)	$170,900 (-) Land $68,200 Building $102,700	$287,322 Land $119,377 Building $167,945
2023	$2,786.00 (+15.46%)	$170,900 (+6.48%) Land $68,200 Building $102,700
2022	$2,413.00	$160,500 Land $68,200 Building $92,300

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 May 16, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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