16222 220th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 16222 220th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,620 sqft · built 2003
Lot Size	27.2 acres (1,187,010 sqft)
Owner	Individual Name on File
Last Sale	$309,900 (May 2019)
Tax Bill	$4,678 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Jan 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-018-0602`

Property Details

APN / Parcel Number

Primary APN	`15-018-0602`

Interior

Building Area	1,620 sqft Living Area
Basement Area	1,620 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	1,187,010 sqft (27.2 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	280 sqft

Location & Zoning

Street Address	16222 220TH ST
City	MILACA
State	MN
Zip	56353-3031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE OF SE, EX S 675 FT OF E 500 FT, & EX E 338 FT LYING N OF S 675 FT SEE 3/13/03 SKETCH
Legal Range	27
Legal Township	39
Legal Section	18
Jurisdiction	MILLE LACS MN
Township / Civil Division	PAGE
Census Block Group	1
Census Block	1008
Census Tract	970300

Owner

16222 220th St is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	16222 220TH ST, MILACA, MN 56353-3031
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
Apr 6, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK AND TRUST COMPANY
Jan 23, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO
May 29, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO
Oct 8, 2018	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2019 · Amount on File
Deed Sale	May 29, 2019 · Amount on File
Prior Sale	Oct 8, 2018 · Amount on File
Deed Document Number	2019411572
Prior Transfer Date	Sep 18, 2013
Prior Transfer Doc	A381612
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Recording Date	Apr 6, 2026
Property Address	16222 220TH ST, MILACA, MN 56353-3031
Document Number	0000450671
Instrument Date	Mar 19, 2026
Instrument	2026450671
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16222 220TH ST, MILACA, MN 56353-3031

Mortgage

Document Number	0000450671,
Date	Apr 6, 2026
Instrument	2026450671

Lender

Name	FIRST BANK AND TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 19, 2027

Interest

Rate	6.01%
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	16222 220TH ST, MILACA, MN 56353-3031
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A434938
Date	Jan 23, 2023
Instrument	A434938

Lender

Name	FIRST BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 13, 2027

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	16222 220TH ST, MILACA, MN 56353-3031
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	DCA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A423151
Date	Mar 10, 2021
Instrument	A423151

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	May 29, 2019
Property Address	16222 220TH ST, MILACA, MN 56353-3031
Document Number	A411572
Instrument Date	May 24, 2019
Instrument	A411572
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,022.67
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	16222 220TH ST, MILACA, MN 56353-3031

Mortgage

Document Number	A411573
Date	May 29, 2019
Instrument	A411573

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 8, 2018
Property Address	16222 220TH ST, MILACA, MN 56353-3031
Document Number	A408496
Instrument Date	Sep 15, 2018
Instrument	A408496
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.10
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	16222 220TH ST, MILACA, MN 56353-3031

Mortgage

Document Number	A408497
Date	Oct 8, 2018
Instrument	A408497

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 16222 220th St was $4,678, down 1.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
County Subdivision	Page Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,678.00 (-1.93%)	$518,200 (+15.57%) Land $169,600 Building $348,600	$518,200 (+15.57%) Land $169,600 Building $348,600
2025	$4,770.00 Homeowner's exemption	$448,400 Land $124,800 Building $323,600	$448,400 Land $124,800 Building $323,600
2023	$4,818.00	$462,300 Land $105,500 Building $356,800	$462,300 Land $105,500 Building $356,800

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

Flood

FEMA maps place 16222 220th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 16222 220th St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.06% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	70 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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