20128 Keystone Rd, Milaca, MN 56353 Property Records

Mille Lacs County property record for 20128 Keystone Rd, Milaca, MN 56353 · Last verified July 2026

Property Summary

Property Type	Mobile Home
Details	1,728 sqft · built 2005
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$159,900 (Jul 2019)
Tax Bill	$2,028 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`07-029-0503`

Property Details

APN / Parcel Number

Primary APN	`07-029-0503`

Interior

Building Area	1,728 sqft Total Area
Basement Area	1,728 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Mobile Home
Lot Area	217,800 sqft (5 acres)
Deck Area	192 sqft
Shed	1 Shed
Shed Area	2 sqft

Location & Zoning

Street Address	20128 KEYSTONE RD
City	MILACA
State	MN
Zip	56353-3188
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	S 1/2 OF NW OF SE OF SW, SEE SKETCH 29 39 26 5.00
Legal Range	26
Legal Township	39
Legal Section	29
Jurisdiction	MILLE LACS MN
Township / Civil Division	HAYLAND
Census Block Group	1
Census Block	1036
Census Tract	970300

Owner

Source: Mille Lacs County records · APN 07-029-0503

Assessment roll updated September 5, 2025 · Last verified July 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 File
Mailing Address	20128 KEYSTONE RD, MILACA, MN 56353-3188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Oct 06, 2008 · Amount on Record
Deed Document Number	2019412239
Record Updated	Sep 20, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 16, 2019
Property Address	20128 KEYSTONE RD, MILACA, MN 56353-3188
Document Number	000A412239
Instrument Date	Jul 12, 2019
Instrument	A412239
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$527.67
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20128 KEYSTONE RD, MILACA, MN 56353-3188

Mortgage

Document Number	000A412240
Date	Jul 16, 2019
Instrument	A412240

Lender

Name	FRANDSEN BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,028.00 (-2.5%)
2025		$210,700 (+11.42%) Land $58,500 Building $152,200	$210,700 (+11.42%) Land $58,500 Building $152,200
2023	$2,080.00	$189,100 Land $44,400 Building $144,700	$189,100 Land $44,400 Building $144,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mille Lacs County (27095C), updated March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270959703001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 83% of Minnesota
Wildfire Likelihood	About 1 in 1,124 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 5 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Frontier	DSL	45 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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