12945 140th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 12945 140th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,070 sqft · built 2003
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$166,900 (Feb 2014)
Tax Bill	$3,626 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-035-0800`

Property Details

APN / Parcel Number

Primary APN	`11-035-0800`

Interior

Building Area	1,070 sqft Living Area
Gross Area	1,646 sqft
Basement Area	656 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	217,800 sqft (5 acres)
Garage Area	1,296 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	429 sqft
Shed	1 Shed
Shed Area	100 sqft

Location & Zoning

Street Address	12945 140TH ST
City	MILACA
State	MN
Zip	56353-3765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 310 FT OF W 360 FT OF NW OF NW LYING N'LY OF FORMER RR R/W, SEE 1/30/03 SKETCH
Legal Range	27
Legal Township	38
Legal Section	35
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3000
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	2 Individual Names on Record
Mailing Address	PO BOX 222, MILACA, MN 56353-0222
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
Oct 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2014 · Amount on Record
Deed Sale	Feb 21, 2014 · Amount on Record
Prior Sale	Jan 13, 2014 · Amount on Record
Deed Document Number	2014383952
Last Transfer Date	Nov 28, 2014
Transfer Doc	A387629
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	12945 140TH ST, MILACA, MN 56353-3765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A421393
Date	Dec 15, 2020
Instrument	A421393

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	12945 140TH ST, MILACA, MN 56353-3765
Transaction Type	Mortgage
Record Updated	Jan 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A403015
Date	Oct 16, 2017
Instrument	A403015

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

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	Milaca Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,626.00 (+2.49%)	$386,000 (+7.31%) Land $92,000 Building $294,000	$386,000 (+7.31%) Land $92,000 Building $294,000
2025	$3,538.00 (-0.51%) Homeowner's exemption	$359,700 (-8.78%) Land $80,000 Building $279,700	$359,700 (-8.78%) Land $80,000 Building $279,700
2023	$3,556.00	$394,300 Land $64,000 Building $330,300	$394,300 Land $64,000 Building $330,300

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	3 in force

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 64% of Minnesota
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Benton Cooperative Telephone Company Fiber	250 / 250
GigFire Fixed Wireless	150 / 130

May also be available: Midco.

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