Mille Lacs County property record for 12976 120th St, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 948 sqft · built 1900 |
| Lot Size | 5.01 acres (218,236 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Aug 2026) |
| Tax Bill | $1,922 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-002-1400 |
| Primary APN | 12-002-1400 |
|---|
| Building Area | 948 sqft Living Area |
|---|---|
| Basement Area | 480 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 218,236 sqft (5.01 acres) |
| Porch | Slab |
| Street Address | 12976 120TH ST |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-4003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF SW OF SW DESC BEG AT SW COR, E 665.00 FT, N 331.00 FT, W 652.85 FT, S 331.22 FT TO POB SEE 4/19/23 SURVEY |
| Legal Range | 27 |
| Legal Township | 37 |
| Legal Section | 02 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILO |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 170400 |
12976 120th St is owned and occupied by an individual who bought it in August 2026.
Source: Mille Lacs County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12976 120TH ST, MILACA, MN 56353-4003 |
| 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.
| Date | Document |
|---|---|
| Aug 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Sep 15, 2023 | Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2026 · Amount on File |
| Deed Sale | Aug 12, 2026 · Amount on File |
| Prior Sale | Sep 15, 2023 · Amount on File |
| Deed Document Number | 2026452378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Aug 12, 2026 |
| Property Address | 12976 120TH ST, MILACA, MN 56353-4003 |
| Document Number | 0000452378 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 2026452378 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $103,323.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12976 120TH ST, MILACA, MN 56353-4003 |
| Document Number | 0000452379, |
|---|---|
| Date | Aug 12, 2026 |
| Instrument | 2026452379 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Sep 15, 2023 |
| Property Address | 12976 120TH ST, MILACA, MN 56353-4003 |
| Document Number | 000A437950 |
| Instrument Date | Aug 1, 2023 |
| Instrument | A437950 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | HOME SECURITY ABSTRACT & TTL |
| Amount | Amount on Record |
|---|---|
| Tax | $821.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 12976 120TH ST, MILACA, MN 56353-4003 |
| Document Number | 000A437951 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | A437951 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Number | 000A437952 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | A437952 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
The 2026 property tax bill for 12976 120th St was $1,922.
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 | $1,922.00 | $218,200 (+10.2%) Land $102,100 Building $116,100 | $218,200 (+10.2%) Land $102,100 Building $116,100 |
| 2025 | $198,000 Land $84,100 Building $113,900 | $198,000 Land $84,100 Building $113,900 | |
| 2023 | $2,076.00 | $217,300 Land $114,500 Building $102,800 | $217,300 Land $114,500 Building $102,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12976 120th St in Zone X, an area of minimal flood risk.
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 risk around 12976 120th St is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 83% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
| Frontier DSL | 10 / 1 |
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