11788 85th Ave, Milaca, MN 56353 Property Records

Mille Lacs County property record for 11788 85th Ave, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,690 sqft · built 1972
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Sep 2021)
Tax Bill	$5,322 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-009-0500`

Property Details

APN / Parcel Number

Primary APN	`01-009-0500`

Interior

Building Area	1,690 sqft Living Area
Basement Area	1,642 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	435,600 sqft (10 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	480 sqft
Shed	1 Shed
Shed Area	168 sqft

Location & Zoning

Street Address	11788 85TH AVE
City	MILACA
State	MN
Zip	56353-4149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 330 FT OF NW OF NE 9 37 26 10.00
Legal Range	26
Legal Township	37
Legal Section	09
Jurisdiction	MILLE LACS MN
Township / Civil Division	BOGUS BROOK
Census Block Group	2
Census Block	2017
Census Tract	170400

Owner

Source: Mille Lacs County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	11788 85TH AVE, MILACA, MN 56353-4149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Dec 4, 2020	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE
Jan 9, 2020	Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	Jan 9, 2020 · Amount on Record
Deed Document Number	2021426826
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 14, 2021
Property Address	11788 85TH AVE, MILACA, MN 56353-4149
Document Number	A426826
Instrument Date	Sep 10, 2021
Instrument	A426826
Transaction Type	Transfer
Record Updated	Oct 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11788 85TH AVE, MILACA, MN 56353-4149

Mortgage

Document Number	000A426827
Date	Sep 14, 2021
Instrument	A426827

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	11788 85TH AVE, MILACA, MN 56353-4149
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SHERBURNE CO ABSTRACT & TITL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A421139
Date	Dec 4, 2020
Instrument	A421139

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jan 9, 2020
Property Address	11788 85TH AVE, MILACA, MN 56353-4149
Document Number	A415215
Instrument Date	Dec 27, 2019
Instrument	A415215
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	SHERBURNE COUNTY ABSTRACT &

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$891.00
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	11788 85TH AVE, MILACA, MN 56353-4149

Mortgage

Document Number	A415216
Date	Jan 9, 2020
Instrument	A415216

Lender

Name	WATERSTONE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$5,322.00 (+7.78%)	$524,700 (+6.21%) Land $142,300 Building $382,400	$524,700 (+6.21%) Land $142,300 Building $382,400
2025		$494,000 (+2%) Land $129,500 Building $364,500	$494,000 (+2%) Land $129,500 Building $364,500
2023	$4,938.00	$484,300 Land $72,400 Building $411,900	$484,300 Land $72,400 Building $411,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.03% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Frontier DSL · Fiber in parts of the area	115 / 7
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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