12364 97th Ave, Milaca, MN 56353 Property Records

Mille Lacs County property record for 12364 97th Ave, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,026 sqft · built 1978
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Dec 2024)
Tax Bill	$2,720 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-005-0900`

Property Details

APN / Parcel Number

Primary APN	`01-005-0900`

Interior

Building Area	1,026 sqft Living Area
Basement Area	994 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	50,530 sqft (1.16 acres)
Garage Area	1,280 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	12364 97TH AVE
City	MILACA
State	MN
Zip	56353-4169
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF NE OF SW, BEG 515 FT S OF NW COR, E 193 FT, S 60 FT, E 5.7 FT, S 195 FT, W 198.7 FT TO W LINE OF 40, N TO PT OF BEG
Legal Range	26
Legal Township	37
Legal Section	05
Jurisdiction	MILLE LACS MN
Township / Civil Division	BOGUS BROOK
Census Block Group	2
Census Block	2011
Census Tract	170400

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	Individual Name on Record
Mailing Address	12364 97TH AVE, MILACA, MN 56353-4169
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
Sep 8, 2020	Quit Claim Deed, Transfer · Conventional Mortgage SPIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2024 · Amount on Record
Deed Sale	Dec 31, 2024 · Amount on Record
Prior Sale	Oct 27, 2015 · Amount on Record
Deed Document Number	2024444232
Prior Transfer Date	Apr 23, 2013
Prior Transfer Doc	A380379
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	12364 97TH AVE, MILACA, MN 56353-4169
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A430047
Date	Feb 28, 2022
Instrument	A430047

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 15, 2037

Interest

Rate Type	Fixed Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 8, 2020
Property Address	12364 97TH AVE, MILACA, MN 56353-4169
Document Number	A419125
Instrument Date	Aug 26, 2020
Instrument	A419125
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12364 97TH AVE, MILACA, MN 56353-4169

Mortgage

Document Number	A419126
Date	Sep 8, 2020
Instrument	A419126

Lender

Name	SPIRE CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,720.00 (-5.49%)	$278,600 (+3.11%) Land $59,000 Building $219,600	$278,600 (+3.11%) Land $59,000 Building $219,600
2025	$2,878.00 (-5.64%) Homeowner's exemption	$270,200 (-7.05%) Land $55,800 Building $214,400	$270,200 (-7.05%) Land $55,800 Building $214,400
2023	$3,050.00	$290,700 Land $45,400 Building $245,300	$290,700 Land $45,400 Building $245,300

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	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 80% of the US · lower than 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Verizon Fixed Wireless	25 / 6

May also be available: Benton Cooperative Telephone Company, Frontier, Midco.

Cell Coverage

5G (outdoors only) and 4G LTE

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