18287 Ivy Rd, Milaca, MN 56353 Property Records

Mille Lacs County property record for 18287 Ivy Rd, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,790 sqft · built 2018
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,288 (2026)
Deeds & Mortgages	Nov 2018 Construction Loan Jun 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`02-003-1000`

Property Details

APN / Parcel Number

Primary APN	`02-003-1000`

Interior

Building Area	1,790 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	1,742,400 sqft (40 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	18287 IVY RD
City	MILACA
State	MN
Zip	56353-3535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW OF SE 3 38 26 40.00
Legal Range	26
Legal Township	38
Legal Section	03
Jurisdiction	MILLE LACS MN
Township / Civil Division	BORGHOLM
Census Block Group	1
Census Block	1026
Census Tract	170400

Owner

18287 Ivy Rd is owned and occupied by two individuals who acquired it in July 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	18287 IVY RD, MILACA, MN 56353-3535
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
Nov 5, 2018	Deed of Trust, Mortgage · Construction Mortgage NEIGHBORHOOD NATIONAL BANK
Jun 7, 2017	Deed of Trust, Mortgage · Construction Mortgage NEIGHBORHOOD NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 29, 2014
Transfer Doc	A386054
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	18287 IVY RD, MILACA, MN 56353-3535
Transaction Type	Mortgage
Record Updated	Dec 5, 2018
Title Company	ALL AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A408983
Date	Nov 5, 2018
Instrument	A408983

Lender

Name	NEIGHBORHOOD NATIONAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	18287 IVY RD, MILACA, MN 56353-3535
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A400969
Date	Jun 7, 2017
Instrument	A400969

Lender

Name	NEIGHBORHOOD NATIONAL BANK
Type	Bank
Address	MORA, MN 55051

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	365 Months
Due	Nov 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	May 26, 2017
Change Frequency	3 Years
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	3-Year CMT
Max Rate	6.75%

Tax Assessment & Valuation

The 2026 property tax bill for 18287 Ivy Rd was $4,288, down 6.7% 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	Borgholm Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,288.00 (-6.74%)	$532,800 (+12.31%) Land $217,600 Building $315,200	$532,800 (+12.31%) Land $217,600 Building $315,200
2025	$4,598.00 Homeowner's exemption	$474,400 Land $190,000 Building $284,400	$474,400 Land $190,000 Building $284,400
2023	$4,626.00	$492,500 Land $146,400 Building $346,100	$492,500 Land $146,400 Building $346,100

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

Flood

FEMA maps place 18287 Ivy Rd 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	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 18287 Ivy Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 78% of Minnesota
Wildfire Likelihood	0.09% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Benton Cooperative Telephone Company Fiber	250 / 250

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Ivy Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures