11370 Gem St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 11370 Gem St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,466 sqft · built 2007
Lot Size	5.92 acres (258,235 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Dec 2021)
Tax Bill	$4,012 (2026)
Deeds & Mortgages	Jan 2012 Mortgage Nov 2008 Mortgage + 4 more
Flood Zone	Zone A (high risk)
APN	`11-778-0040`

Property Details

APN / Parcel Number

Primary APN	`11-778-0040`

Interior

Building Area	1,466 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	258,235 sqft (5.92 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	108 sqft
Shed	1 Shed
Shed Area	120 sqft

Location & Zoning

Street Address	11370 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	4
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 July 20, 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	11370 GEM ST, MILACA, MN 56353-4583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2012	Deed of Trust, Mortgage · Conventional Mortgage THE BUSINESS BANK
Nov 17, 2008	Deed of Trust, Mortgage ROBERT J LARSON ETAL
May 11, 2009	Deed of Trust, Mortgage · Conventional Mortgage THE BUSINESS BANK
Dec 1, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO
Dec 21, 2020	Warranty Deed, Transfer ALL AMERICAN TITLE
Oct 30, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on Record
Deed Sale	Dec 1, 2021 · Amount on Record
Prior Sale	Dec 21, 2020 · Amount on Record
Deed Document Number	2021428357
Record Updated	Sep 20, 2026

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	11370 GEM ST, MILACA, MN 56353-4583
Transaction Type	Mortgage
Record Updated	May 28, 2026
Title Company	EAST CENTRAL TITLE LLC, EAST CENTRAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A371326
Date	Jan 30, 2012
Instrument	A371326

Lender

Name	THE BUSINESS BANK
Type	Bank
Address	HOPKINS, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2027

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	11370 GEM ST, MILACA, MN 56353-4583
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000352658
Date	Nov 17, 2008
Instrument	352658

Lender

Name	ROBERT J LARSON ETAL
Type	Private Party

Agreement

Amount	Amount Recorded

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	11370 GEM ST, MILACA, MN 56353-4583
Transaction Type	Mortgage
Record Updated	May 28, 2026
Title Company	EAST CENTRAL TITLE LLC, EAST CENTRAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000355437
Date	May 11, 2009
Instrument	355437

Lender

Name	THE BUSINESS BANK
Type	Bank
Address	HOPKINS, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2039

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Dec 1, 2021
Property Address	11370 GEM ST, MILACA, MN 56353-4583
Document Number	000A428357
Instrument Date	Nov 5, 2021
Instrument	A428357
Transaction Type	Transfer
Record Updated	Dec 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
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	11370 GEM ST, MILACA, MN 56353-4583

Mortgage

Document Number	000A428358
Date	Dec 1, 2021
Instrument	A428358

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Dec 21, 2020
Property Address	11370 GEM ST, MILACA, MN 56353-4583
Document Number	A421540
Instrument Date	Nov 12, 2020
Instrument	A421540
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,131.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11370 GEM ST, MILACA, MN 56353-4583

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 30, 2017
Property Address	11370 GEM ST, MILACA, MN 56353-4583
Document Number	000A403270
Instrument Date	Sep 12, 2017
Instrument	A403270
Transaction Type	Transfer
Record Updated	May 28, 2026

Transaction

Amount	Amount Recorded
Tax	$950.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11370 GEM ST, MILACA, MN 56353-4583

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 5, 2025

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	$4,012.00 (+0.35%)
2025	$3,998.00 (-3.24%) Homeowner's exemption	$394,200 (-10.12%) Land $81,000 Building $313,200	$394,200 (-10.12%) Land $81,000 Building $313,200
2023	$4,132.00	$438,600 Land $56,500 Building $382,100	$438,600 Land $56,500 Building $382,100

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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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