13438 Central Ave, Milaca, MN 56353 Property Records

Mille Lacs County property record for 13438 Central Ave, Milaca, MN 56353

Property Summary

Property Type	Seasonal / Vacation Home
Details	780 sqft · built 1940
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Sep 2020)
Tax Bill	$1,188 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2023 Line of Credit + 2 more
Flood Zone	Zone A (high risk)
APN	`11-036-0800`

Property Details

APN / Parcel Number

Primary APN	`11-036-0800`

Interior

Building Area	780 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	43,560 sqft (1 acres)
Deck Area	192 sqft
Shed	1 Shed
Shed Area	96 sqft

Location & Zoning

Street Address	13438 CENTRAL AVE
City	MILACA
State	MN
Zip	56353
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	BEG 882 FT N OF SW COR OF NW OF SE, SE'LY TO RIVER TO A PT 425 FT DUE E OF W LINE OF SAID 40, NW TO PT ON W LINE 125 FT S OF
Legal Range	27
Legal Township	38
Legal Section	36
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	2
Census Block	2055
Census Tract	170500

Owner

Source: Mille Lacs County records, as of July 20, 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	800 CAMERON CT, HOPKINS, MN 55343-8187
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Line of Credit BELL BANK
Sep 22, 2023	Deed of Trust, Mortgage · Line of Credit BELL BANK
Sep 16, 2020	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Sep 6, 2018	Warranty Deed, Transfer NOT AVAILABLE, TRADERMARK TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Sep 6, 2018 · Amount on Record
Deed Document Number	2020419298
Last Transfer Date	Jan 19, 2023
Transfer Doc	0000434892
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	13438 CENTRAL AVE, MILACA, MN 56353
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3601 PARK CENTER BLVD 1010, 1010, MINNEAPOLIS, MN 55416-2572

Mortgage

Document Number	000A438042
Date	Sep 22, 2023
Instrument	A438042

Lender

Name	BELL BANK
Type	Bank
Address	MINNEAPOLIS, MN 55416

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 6, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	13438 CENTRAL AVE, MILACA, MN 56353
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3601 PARK CENTER BLVD 1010, 1010, MINNEAPOLIS, MN 55416-2572

Mortgage

Document Number	000A438043
Date	Sep 22, 2023
Instrument	A438043

Lender

Name	BELL BANK
Type	Bank
Address	MINNEAPOLIS, MN 55416

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 6, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 16, 2020
Property Address	13438 CENTRAL AVE, MILACA, MN 56353
Document Number	000A419298
Instrument Date	Aug 20, 2020
Instrument	A419298
Transaction Type	Transfer
Record Updated	Aug 28, 2023
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4331 XERXES AVE S APT 3, 3, MINNEAPOLIS, MN 55410-1431

Mortgage

Document Number	000A419299
Date	Sep 16, 2020
Instrument	A419299

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 6, 2018
Property Address	13438 CENTRAL AVE, MILACA, MN 56353
Document Number	000A407975
Instrument Date	Aug 16, 2018
Instrument	A407975
Transaction Type	Transfer
Record Updated	Aug 28, 2023
Title Company	NOT AVAILABLE, TRADERMARK TITLE

Transaction

Amount	Amount Recorded
Tax	$224.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7421 10TH AVE S, RICHFIELD, MN 55423-4568

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 5, 2025

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	$1,188.00 (+9.8%)
2025		$122,400 (-9.47%) Land $70,000 Building $52,400	$122,400 (-9.47%) Land $70,000 Building $52,400
2023	$1,082.00	$135,200 Land $65,000 Building $70,200	$135,200 Land $65,000 Building $70,200

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Jun 2014 · river or lake flooding

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	Moderate above 45% of the US · above 74% of Minnesota
Wildfire Likelihood	0.07% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Benton Cooperative Telephone Company.

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