11345 Gem St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 11345 Gem St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,694 sqft · built 2005
Lot Size	3 acres (130,736 sqft)
Owner	2 Individual Names on Record
Last Sale	$214,000 (Jul 2006)
Tax Bill	$394 (2026)
Deeds & Mortgages	May 2021 Sale Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-778-0120`

Property Details

APN / Parcel Number

Primary APN	`11-778-0120`

Interior

Building Area	1,694 sqft Total Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	130,736 sqft (3 acres)
Garage Type	Mixed
Garage Area	1,494 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Shed	1 Shed
Shed Area	48 sqft

Location & Zoning

Street Address	11345 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	2
Legal Lot Number	2
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	2
Census Block	2056
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	2 Individual Names on Record
Mailing Address	11345 GEM ST, MILACA, MN 56353-4583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 15, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Apr 2, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Apr 15, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2006 · Amount on Record
Deed Sale	Jul 11, 2006 · Amount on Record
Deed Document Number	2006333782
Last Transfer Date	May 20, 2021
Transfer Doc	A424552
Record Updated	Oct 29, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	May 21, 2021
Property Address	11345 GEM ST, MILACA, MN 56353-4583
Document Number	A424552
Instrument Date	May 20, 2021
Instrument	A424552
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Amount	Amount Recorded
Tax	$1.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11345 GEM ST, 11345, MILACA, MN 56353-4583

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11345 GEM ST, MILACA, MN 56353-4583

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	11345 GEM ST, MILACA, MN 56353-4583
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A410726
Date	Mar 15, 2019
Instrument	A410726

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	11345 GEM ST, MILACA, MN 56353-4583
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A416539
Date	Apr 2, 2020
Instrument	A416539

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	Apr 15, 2019
Property Address	11345 GEM ST, MILACA, MN 56353-4583
Document Number	A411059
Instrument Date	Apr 10, 2019
Instrument	A411059
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11345 GEM ST, MILACA, MN 56353-4583

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	$394.00 (+39.72%)	$361,400 (+7.4%) Land $84,000 Building $277,400	$361,400 (+7.4%) Land $84,000 Building $277,400
2025	$282.00 (-36.2%)	$336,500 (-10.81%) Land $73,000 Building $263,500	$336,500 (-10.81%) Land $73,000 Building $263,500
2023	$442.00	$377,300 Land $49,000 Building $328,300	$377,300 Land $49,000 Building $328,300

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	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

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