11330 Gem St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 11330 Gem St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,228 sqft · built 2005
Lot Size	5.11 acres (222,592 sqft)
Owner	Individual Name on Record
Last Sale	$128,900 (Dec 2009)
Tax Bill	$3,124 (2026)
Deeds & Mortgages	Aug 2017 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-778-0070`

Property Details

APN / Parcel Number

Primary APN	`11-778-0070`

Interior

Building Area	1,228 sqft Living Area
Basement Area	960 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	222,592 sqft (5.11 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Deck Area	80 sqft
Shed	1 Shed
Shed Area	80 sqft

Location & Zoning

Street Address	11330 GEM ST
City	MILACA
State	MN
Zip	56353-4583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	27
Legal Township	38
Legal Section	36
Legal Subdivision	RUM RIVER ACRES
Legal Block	1
Legal Lot Number	7
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	2
Census Block	2055
Census Tract	170500

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	Individual Name on Record
Mailing Address	11330 GEM ST, MILACA, MN 56353-4583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2017	Deed of Trust, Mortgage BAY EQUITY LLC
Aug 2, 2017	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2009 · Amount on Record
Deed Sale	Dec 31, 2009 · Amount on Record
Prior Sale	Oct 15, 2009 · Amount on Record
Deed Document Number	2009359795
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	11330 GEM ST, MILACA, MN 56353-4583
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A401853
Date	Aug 2, 2017
Instrument	A401853

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Aug 2, 2017
Property Address	11330 GEM ST, MILACA, MN 56353-4583
Document Number	000A401851
Instrument Date	Jul 28, 2017
Instrument	A401851
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11330 GEM ST, MILACA, MN 56353-4583

Mortgage

Document Number	000A401852
Date	Aug 2, 2017
Instrument	A401852

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,124.00 (+2.9%)	$341,600 (+8%) Land $84,000 Building $257,600	$341,600 (+8%) Land $84,000 Building $257,600
2025		$316,300 (-4.06%) Land $73,000 Building $243,300	$316,300 (-4.06%) Land $73,000 Building $243,300
2023	$3,036.00	$329,700 Land $49,000 Building $280,700	$329,700 Land $49,000 Building $280,700

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	1 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Jun 2014 · river or lake flooding

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	Moderate above 45% of the US · above 74% of Minnesota
Wildfire Likelihood	0.08% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Benton Cooperative Telephone Company.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gem St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures