5416 White Cap Rd, Isle, MN 56342 Property Records

Mille Lacs County property record for 5416 White Cap Rd, Isle, MN 56342

Property Summary

Property Type	Seasonal / Vacation Home
Details	1,384 sqft · built 1960
Lot Size	0.321 acres (13,995 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Nov 2020)
Tax Bill	$2,392 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-520-0230`

Property Details

APN / Parcel Number

Primary APN	`05-520-0230`

Interior

Building Area	1,384 sqft Total Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	13,995 sqft (0.321 acres)
Garage Area	1,280 sqft
Parking Spaces	5 Parking Spaces
Deck Area	168 sqft
Shed	1 Shed

Location & Zoning

Street Address	5416 WHITE CAP RD
City	ISLE
State	MN
Zip	56342-2800
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	& LOT 11 BLOCK 3
Legal Range	25
Legal Township	43
Legal Section	05
Legal Subdivision	LIBERTY
Legal Block	3
Legal Lot Number	12
Jurisdiction	MILLE LACS MN
Township / Civil Division	EAST SIDE
Census Block Group	2
Census Block	2010
Census Tract	970100

Owner

5416 White Cap Rd, a residential property, is owned by two individuals who bought it in November 2020.

Source: Mille Lacs County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4500 KAELIN AVE NE, SAINT MICHAEL, MN 55376-8443
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP
Nov 4, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSS COUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Dec 16, 2010 · Amount on File
Deed Document Number	2020420336
Prior Transfer Date	Dec 22, 2006
Prior Transfer Doc	0000338317
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	5416 WHITE CAP RD, ISLE, MN 56342-2800
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5416 WHITE CAP RD, ISLE, MN 56342-2800
Investor	Possibly a Property Investor

Mortgage

Document Number	000A439678
Date	Jan 24, 2024
Instrument	A439678

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 20, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	5416 WHITE CAP RD, ISLE, MN 56342-2800
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	ARDEN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A401292
Date	Jun 30, 2017
Instrument	A401292

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Nov 4, 2020
Property Address	5416 WHITE CAP RD, ISLE, MN 56342-2800
Document Number	000A420336
Map Reference	DOC 238716
Instrument Date	Oct 9, 2020
Instrument	A420336
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4500 KAELIN AVE NE, SAINT MICHAEL, MN 55376-8443
Investor	Possibly a Property Investor

Mortgage

Document Number	000A420337
Date	Nov 4, 2020
Instrument	A420337

Lender

Name	CROSS COUNTRY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 5416 White Cap Rd was $2,392.

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	$2,392.00	$258,500 (+4.44%) Land $44,600 Building $213,900	$258,500 (+4.44%) Land $44,600 Building $213,900
2025		$247,500 Land $42,000 Building $205,500	$247,500 Land $42,000 Building $205,500
2023	$2,246.00	$229,600 Land $36,000 Building $193,600	$229,600 Land $36,000 Building $193,600

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

Flood

FEMA maps place 5416 White Cap Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5416 White Cap Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 6 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

4G LTE (outdoors only), no 5G reported

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