Mille Lacs County property record for 13098 185th St, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,582 sqft · built 2006 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $170,000 (Oct 2008) |
| Tax Bill | $5,000 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-003-0104 |
| Primary APN | 11-003-0104 |
|---|
| Building Area | 1,582 sqft Total Area |
|---|---|
| Basement Area | 1,500 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Mixed |
| Garage Area | 5,300 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Street Address | 13098 185TH ST |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-3363 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 330 FT OF E 660 FT OF S 660 FT OF E 1/2 OF NE, SEE 4/1/04 SKETCH 3 38 27 5.00 |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 03 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 170500 |
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 | 13098 185TH ST, MILACA, MN 56353-3363 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST TRUST BANK |
| Dec 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE |
| Apr 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2008 · Amount on Record |
| Deed Sale | Oct 24, 2008 · Amount on Record |
| Prior Sale | Mar 28, 2006 · Amount on Record |
| Deed Document Number | 2008352275 |
| Prior Transfer Date | Aug 25, 2006 |
| Prior Transfer Doc | 0000335130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Aug 18, 2026 |
| Property Address | 13098 185TH ST, MILACA, MN 56353-3363 |
| Document Number | 0000452455 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 2026452455 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 13098 185TH ST, MILACA, MN 56353-3363 |
| Document Number | 0000452455, |
|---|---|
| Date | Aug 18, 2026 |
| Instrument | 2026452455 |
| Name | FIRST TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 13098 185TH ST, MILACA, MN 56353-3363 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000A428534 |
|---|---|
| Date | Dec 7, 2021 |
| Instrument | A428534 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 13098 185TH ST, MILACA, MN 56353-3363 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000A430659 |
|---|---|
| Date | Apr 7, 2022 |
| Instrument | A430659 |
| Name | FIRST BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 14, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Mille Lacs County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| County Subdivision | Milaca Township |
| Unified School District | Milaca Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,000.00 (+36.46%) | $510,700 (+6.46%) Land $92,000 Building $418,700 | $510,700 (+6.46%) Land $92,000 Building $418,700 |
| 2025 | $479,700 (+0.06%) Land $80,000 Building $399,700 | $479,700 (+0.06%) Land $80,000 Building $399,700 | |
| 2023 | $3,664.00 | $479,400 Land $64,000 Building $415,400 | $479,400 Land $64,000 Building $415,400 |
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 75% 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Verizon Fixed Wireless | 25 / 6 |
| Frontier DSL | 10 / 1 |
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