10832 96th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 10832 96th St, Milaca, MN 56353 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,358 sqft · built 2005
Lot Size	3.99 acres (174,156 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Nov 2025)
Tax Bill	$3,390 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-682-0080`

Property Details

APN / Parcel Number

Primary APN	`01-682-0080`

Interior

Building Area	1,358 sqft Living Area
Basement Area	1,358 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	174,156 sqft (3.99 acres)
Garage Type	Mixed
Garage Area	2,372 sqft
Parking Spaces	8 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	10832 96TH ST
City	MILACA
State	MN
Zip	56353-4199
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	26
Legal Township	37
Legal Section	19
Legal Subdivision	PINE RIDGE
Legal Block	3
Legal Lot Number	2
Jurisdiction	MILLE LACS MN
Township / Civil Division	BOGUS BROOK
Census Block Group	2
Census Block	2054
Census Tract	170400

Owner

Source: Mille Lacs County records · APN 01-682-0080

Assessment roll updated September 5, 2025 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	10832 96TH ST, MILACA, MN 56353-4199
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Mar 14, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS
Nov 21, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 14, 2017	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS
Mar 14, 2017	Affidavit, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	May 13, 2005 · Amount on Record
Deed Document Number	2025448939
Prior Transfer Date	Mar 01, 2017
Prior Transfer Doc	A399761
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10832 96TH ST, MILACA, MN 56353-4199
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A428033
Date	Nov 10, 2021
Instrument	A428033

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	May 01, 2047

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10832 96TH ST, MILACA, MN 56353-4199
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A399762
Date	Mar 14, 2017
Instrument	A399762

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2047

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Nov 21, 2025
Property Address	10832 96TH ST, MILACA, MN 56353-4199
Document Number	000A448939
Instrument Date	Nov 14, 2025
Instrument	A448939
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,353.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10832 96TH ST, MILACA, MN 56353-4199

Mortgage

Document Number	000A448940
Date	Nov 21, 2025
Instrument	A448940

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Mortgage

Document Number	000A448941
Date	Nov 21, 2025
Instrument	A448941

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 01, 2035

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLE LACS MN
Recording Date	Mar 14, 2017
Property Address	10832 96TH ST, MILACA, MN 56353-4199
Document Number	A399761
Instrument Date	Mar 01, 2017
Instrument	A399761
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10832 96TH ST, MILACA, MN 56353-4199

Mortgage

Document Number	A399762
Date	Mar 14, 2017
Instrument	A399762

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2047

March 2017: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MILLE LACS MN
Recording Date	Mar 14, 2017
Property Address	10832 96TH ST, MILACA, MN 56353-4199
Document Number	A399760
Instrument Date	Mar 01, 2017
Instrument	A399760
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 234, FULDA, MN 56131-0234

Tax Assessment & Valuation

Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
County Subdivision	Bogus Brook Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,390.00 (-6.04%)
2025	$3,608.00 (-4.7%) Homeowner's exemption	$327,800 (-7.66%) Land $62,000 Building $265,800	$327,800 (-7.66%) Land $62,000 Building $265,800
2023	$3,786.00	$355,000 Land $52,000 Building $303,000	$355,000 Land $52,000 Building $303,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mille Lacs County (27095C), updated March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270951704002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Apr 2001, rainfall accumulation, Severe Winter Storms, Flooding, And Tornadoes

Wildfire

Wildfire Risk	Moderate above 44% of the US · above 73% of Minnesota
Wildfire Likelihood	About 1 in 1,449 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 17 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130
Frontier	DSL	10 / 1

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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