10992 97th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 10992 97th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,462 sqft · built 2002
Lot Size	2.6 acres (113,497 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Aug 2025)
Tax Bill	$3,812 (2026)
Deeds & Mortgages	May 2026 Mortgage Oct 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-682-0030`

Property Details

APN / Parcel Number

Primary APN	`01-682-0030`

Interior

Building Area	1,462 sqft Living Area
Basement Area	1,462 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	113,497 sqft (2.6 acres)
Garage Type	Mixed
Garage Area	1,656 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Deck Area	180 sqft

Location & Zoning

Street Address	10992 97TH ST
City	MILACA
State	MN
Zip	56353-4433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	26
Legal Township	37
Legal Section	19
Legal Subdivision	PINE RIDGE
Legal Block	1
Legal Lot Number	3
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, as of September 4, 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 Record
Mailing Address	10992 97TH ST, MILACA, MN 56353-4433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH MEMORIAL FCU
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH MEMORIAL FCU
Aug 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTH MEMORIAL FCU
Aug 20, 2021	Deed of Trust, Mortgage · VA Mortgage SERVION INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2025 · Amount on Record
Deed Sale	Aug 4, 2025 · Amount on Record
Prior Sale	Jul 18, 2012 · Amount on Record
Deed Document Number	2025447295
Prior Transfer Date	Jan 19, 2012
Prior Transfer Doc	000A371154
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Recording Date	May 27, 2026
Property Address	10992 97TH ST, MILACA, MN 56353-4433
Document Number	0000451353
Instrument Date	May 18, 2026
Instrument	2026451353
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	10992 97TH ST, MILACA, MN 56353-4433

Mortgage

Document Number	0000451353,
Date	May 27, 2026
Instrument	2026451353

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10992 97TH ST, MILACA, MN 56353-4433
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	US TITLE, CU TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A438320
Date	Oct 16, 2023
Instrument	A438320

Lender

Name	NORTH MEMORIAL FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55422

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Aug 20, 2038

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10992 97TH ST, MILACA, MN 56353-4433
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A422170
Date	Jan 25, 2021
Instrument	A422170

Lender

Name	NORTH MEMORIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10992 97TH ST, MILACA, MN 56353-4433
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A412636
Date	Aug 9, 2019
Instrument	A412636

Lender

Name	NORTH MEMORIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 1, 2024

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10992 97TH ST, MILACA, MN 56353-4433
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A426361
Date	Aug 20, 2021
Instrument	A426361

Lender

Name	SERVION INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

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	Bogus Brook Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,812.00 (+344.29%)	$431,500 (+18.64%) Land $77,100 Building $354,400	$431,500 (+18.64%) Land $77,100 Building $354,400
2025	$858.00 (-12.27%) Homeowner's exemption	$363,700 (-6.31%) Land $55,400 Building $308,300	$363,700 (-6.31%) Land $55,400 Building $308,300
2023	$978.00	$388,200 Land $46,900 Building $341,300	$388,200 Land $46,900 Building $341,300

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 March 4, 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	5 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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 66% of Minnesota
Wildfire Likelihood	0.07% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Frontier DSL	10 / 1

May also be available: AT&T.

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