Mille Lacs County property record for 11380 Gem St, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 3,065 sqft · built 2022 |
| Lot Size | 5.11 acres (222,592 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,660 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 11-778-0030 |
| Primary APN | 11-778-0030 |
|---|
| Building Area | 3,065 sqft Total Area |
|---|
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 222,592 sqft (5.11 acres) |
| Garage Area | 2,000 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Street Address | 11380 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 | 3 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 170500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 11380 GEM ST, MILACA, MN 56353-4583 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 11380 GEM ST, MILACA, MN 56353-4583 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Name | Verified Name |
|---|
| Document Number | 000A432514 |
|---|---|
| Date | Aug 9, 2022 |
| Instrument | A432514 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Mille Lacs County assessment roll, as of September 5, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| County Subdivision | Milaca Township |
| Unified School District | Milaca Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,660.00 (+79.68%) | ||
| 2025 | $535,500 (-11.44%) Land $81,000 Building $454,500 | $535,500 (-11.44%) Land $81,000 Building $454,500 | |
| 2023 | $3,150.00 | $604,700 Land $52,800 Building $551,900 | $604,700 Land $52,800 Building $551,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 72% 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.
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.
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