Mille Lacs County property record for 12081 97th St, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,671 sqft · built 2018 |
| Lot Size | 4.12 acres (179,467 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $15,000 (Sep 2018) |
| Tax Bill | $4,686 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-023-0302 |
| Primary APN | 12-023-0302 |
|---|
| Building Area | 1,671 sqft Total Area |
|---|---|
| Basement Area | 1,671 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 179,467 sqft (4.12 acres) |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Street Address | 12081 97TH ST |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-4423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 373 FT OF E 1/2 SE OF NE EX E 179 FT 23 37 27 4.12 |
| Legal Range | 27 |
| Legal Township | 37 |
| Legal Section | 23 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILO |
| Census Block Group | 2 |
| Census Block | 2077 |
| Census Tract | 170400 |
Source: Mille Lacs County records, as of October 13, 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 | 12081 97TH ST, MILACA, MN 56353-4423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BAE CREDIT UNION |
| Apr 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU |
| Dec 3, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage BROKERS SOLUTIONS INC |
| Sep 25, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK MILACA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2018 · Amount on Record |
| Deed Sale | Sep 25, 2018 · Amount on Record |
| Deed Document Number | 2018408291 |
| Last Transfer Date | Sep 15, 2021 |
| Transfer Doc | 000A428465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | May 22, 2026 |
| Property Address | 12081 97TH ST, MILACA, MN 56353-4423 |
| Document Number | 0000451304 |
| Instrument Date | May 12, 2026 |
| Instrument | 2026451304 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVION TITLE INC, SERVION TITLE |
| Name | Verified Name |
|---|---|
| Address | 12081 97TH ST, MILACA, MN 56353-4423 |
| Document Number | 0000451304, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 2026451304 |
| Name | BAE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.65% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 12081 97TH ST, MILACA, MN 56353-4423 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Title Company | US TITLE, CU TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 000A436038 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | A436038 |
| Name | SPIRE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 15, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Dec 3, 2021 |
| Property Address | 12081 97TH ST, MILACA, MN 56353-4423 |
| Document Number | 000A428465 |
| Instrument Date | Sep 15, 2021 |
| Instrument | A428465 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2021 |
| Title Company | VANTAGE POINT TITLE |
| Tax | $1.65 |
|---|---|
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12081 97TH ST, MILACA, MN 56353-4423 |
| Document Number | 000A428466 |
|---|---|
| Date | Dec 3, 2021 |
| Instrument | A428466 |
| Name | BROKERS SOLUTIONS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Sep 25, 2018 |
| Property Address | 12081 97TH ST, MILACA, MN 56353-4423 |
| Document Number | A408291 |
| Instrument Date | Sep 25, 2018 |
| Instrument | A408291 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Amount | Amount Recorded |
|---|---|
| Tax | $49.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 572, PRINCETON, MN 55371-0572 |
| Document Number | A408292 |
|---|---|
| Date | Sep 25, 2018 |
| Instrument | A408292 |
| Name | FIRST NATIONAL BANK MILACA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 25, 2019 |
| Rate Type | Fixed Rate |
|---|
Source: Mille Lacs County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| County Subdivision | Milo Township |
| Unified School District | Milaca Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,686.00 (+4.27%) | $464,200 (+7.93%) Land $88,300 Building $375,900 | $464,200 (+7.93%) Land $88,300 Building $375,900 |
| 2025 | $4,494.00 (+0.81%) Homeowner's exemption | $430,100 (+2.89%) Land $73,000 Building $357,100 | $430,100 (+2.89%) Land $73,000 Building $357,100 |
| 2023 | $4,458.00 | $418,000 Land $54,500 Building $363,500 | $418,000 Land $54,500 Building $363,500 |
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 X minimal risk |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ECE Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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