5427 White Cap Rd, Isle, MN 56342 Property Records

Mille Lacs County property record for 5427 White Cap Rd, Isle, MN 56342

Property Summary

Property Type	Single Family Home
Details	816 sqft · built 1962
Lot Size	0.482 acres (20,994 sqft)
Owner	Individual Name on File
Last Sale	$254,900 (Jun 2023)
Tax Bill	$1,476 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-520-0320`

Property Details

APN / Parcel Number

Primary APN	`05-520-0320`

Interior

Building Area	816 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	20,994 sqft (0.482 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Shed	1 Shed
Cabin	408 sqft

Location & Zoning

Street Address	5427 WHITE CAP RD
City	ISLE
State	MN
Zip	56342-2800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5, 6 & 7 BLK 4
Legal Range	25
Legal Township	43
Legal Section	05
Legal Subdivision	LIBERTY
Legal Block	4
Legal Lot Number	5-7
Jurisdiction	MILLE LACS MN
Township / Civil Division	EAST SIDE
Census Block Group	2
Census Block	2010
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	Individual Name on File
Mailing Address	PO BOX 924, ISLE, MN 56342-0924
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage COOP CUR OF MONTEVIDEO
Jun 21, 2023	Warranty Deed, Transfer · Conventional Mortgage COOP CUR OF MONTEVIDEO
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED HEALTHCARE CU
Mar 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED HEALTHCARE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2023 · Amount on File
Deed Sale	Jun 13, 2023 · Amount on File
Prior Sale	Jul 27, 2010 · Amount on File
Deed Document Number	20231545668
Prior Transfer Date	Jun 24, 2011
Prior Transfer Doc	A368148
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	5427 WHITE CAP RD, ISLE, MN 56342-2800
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	ATD TITLE LLC, AT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A436729
Date	Jun 21, 2023
Instrument	A436729

Lender

Name	COOP CUR OF MONTEVIDEO
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 1, 2028

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 21, 2023
Property Address	5427 WHITE CAP RD, ISLE, MN 56342-2800
Document Number	000A436727
Instrument Date	Jun 13, 2023
Instrument	A436727
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$841.17
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5427 WHITE CAP RD, ISLE, MN 56342-2800

Mortgage

Document Number	000A436728
Date	Jun 21, 2023
Instrument	A436728

Lender

Name	COOP CUR OF MONTEVIDEO
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 1, 2028

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	5427 WHITE CAP RD, ISLE, MN 56342-2800
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A427739
Date	Oct 28, 2021
Instrument	A427739

Lender

Name	ASSOCIATED HEALTHCARE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 15, 2031

Interest

Rate Type	Fixed Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	5427 WHITE CAP RD, ISLE, MN 56342-2800
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A410841
Date	Mar 26, 2019
Instrument	A410841

Lender

Name	ASSOCIATED HEALTHCARE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 15, 2029

Interest

Rate Type	Fixed Rate

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	$1,476.00 (+1.79%)	$177,200 (+2.13%) Land $45,800 Building $131,400	$177,200 (+2.13%) Land $45,800 Building $131,400
2025	$1,450.00 (+0.55%) Homeowner's exemption	$173,500 (+9.05%) Land $45,000 Building $128,500	$173,500 (+9.05%) Land $45,000 Building $128,500
2023	$1,442.00 (+1.12%)	$159,100 (+4.12%) Land $37,000 Building $122,100	$159,100 (+4.12%) Land $37,000 Building $122,100
2022	$1,426.00	$152,800 Land $33,000 Building $119,800	$152,800 Land $33,000 Building $119,800

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.03% 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 33 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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