12413 160th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 12413 160th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	2,271 sqft · built 1998
Lot Size	1.01 acres (44,231 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,516 (2026)
Deeds & Mortgages	Mar 2023 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-120-0120`

Property Details

APN / Parcel Number

Primary APN	`11-120-0120`

Interior

Building Area	2,271 sqft Total Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	44,231 sqft (1.01 acres)
Shed	1 Shed
Shed Area	80 sqft

Location & Zoning

Street Address	12413 160TH ST
City	MILACA
State	MN
Zip	56353-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	27
Legal Township	38
Legal Section	23
Legal Subdivision	BIG EDDY ACRES
Legal Block	2
Legal Lot Number	2
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3002
Census Tract	170500

Owner

12413 160th St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	12413 160TH ST, MILACA, MN 56353-3319
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
May 21, 2020	Deed of Trust, Mortgage · ARM SPIRE CU
May 21, 2020	Deed of Trust, Mortgage · ARM SPIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	12413 160TH ST, MILACA, MN 56353-3319
Transaction Type	Mortgage
Record Updated	Apr 12, 2023
Title Company	US TITLE, CU TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A435493
Date	Mar 15, 2023
Instrument	A435493

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2020
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	9.75%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	12413 160TH ST, MILACA, MN 56353-3319
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A417157
Date	May 21, 2020
Instrument	A417157

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.13%
Index	1-Year CMT

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	12413 160TH ST, MILACA, MN 56353-3319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A417157
Date	May 21, 2020
Instrument	A417157

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.13%
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 12413 160th St was $3,516.

Source: Mille Lacs County assessment roll, as of September 4, 2026

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	$3,516.00	$368,700 (+7.02%) Land $86,000 Building $282,700	$368,700 (+7.02%) Land $86,000 Building $282,700
2025		$344,500 Land $77,000 Building $267,500	$344,500 Land $77,000 Building $267,500
2023	$3,684.00	$392,800 Land $41,000 Building $351,800	$392,800 Land $41,000 Building $351,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12413 160th St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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	6 in force
Nearby Flood Claims	6 (1995–2016)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jul 2016 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 2 claims

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

Wildfire risk around 12413 160th St is low, with a 0.04% annual chance of wildfire.

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	0.04% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Benton Cooperative Telephone Company.

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