10994 97th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 10994 97th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	938 sqft · built 2002
Lot Size	4.55 acres (198,604 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,776 (Jun 2018)
Tax Bill	$2,646 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-682-0020`

Property Details

APN / Parcel Number

Primary APN	`01-682-0020`

Interior

Building Area	938 sqft Living Area
Basement Area	892 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	198,604 sqft (4.55 acres)
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	330 sqft
Shed	1 Shed
Shed Area	140 sqft

Location & Zoning

Street Address	10994 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	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, 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	10994 97TH ST, MILACA, MN 56353-4433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE
Jun 5, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2018 · Amount on Record
Deed Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	2018406419
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10994 97TH ST, MILACA, MN 56353-4433
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A426761
Date	Sep 10, 2021
Instrument	A426761

Lender

Name	MUTUAL OF OMAHA MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 5, 2018
Property Address	10994 97TH ST, MILACA, MN 56353-4433
Document Number	A406419
Instrument Date	May 24, 2018
Instrument	A406419
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	LIBERTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$741.76
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10994 97TH ST, MILACA, MN 56353-4433

Mortgage

Document Number	A406420
Date	Jun 5, 2018
Instrument	A406420

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10994 97TH ST, MILACA, MN 56353-4433
Transaction Type	Mortgage
Record Updated	Feb 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A404262
Date	Dec 28, 2017
Instrument	A404262

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2048

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	$2,646.00 (-14.53%)	$315,700 (+19.95%) Land $101,600 Building $214,100	$315,700 (+19.95%) Land $101,600 Building $214,100
2025		$263,200 (-7.91%) Land $57,100 Building $206,100	$263,200 (-7.91%) Land $57,100 Building $206,100
2023	$3,096.00	$285,800 Land $52,800 Building $233,000	$285,800 Land $52,800 Building $233,000

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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