210 Central Ave N, Milaca, MN 56353 Property Records

Mille Lacs County property record for 210 Central Ave N, Milaca, MN 56353

Property Summary

Property Type	Commercial
Details	9,900 sqft · built 1965
Lot Size	0.225 acres (9,799 sqft)
Owner	Individual Name on Record
Last Sale	$397,000 (Mar 2025)
Tax Bill	$7,498 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-041-0120`

Property Details

APN / Parcel Number

Primary APN	`21-041-0120`

Interior

Units	5 Units
Building Area	9,900 sqft Total Area
Basement Area	9,900 sqft
Office	9,900 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	9,799 sqft (0.225 acres)

Location & Zoning

Street Address	210 CENTRAL AVE N
City	MILACA
State	MN
Zip	56353-4655
Property Category	Commercial
Property Type	Commercial > Retail
Legal Range	27
Legal Township	38
Legal Section	25
Legal Subdivision	FIRST ADDITION TO MILACA
Legal Block	6
Legal Lot Number	1
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3030
Census Tract	170500

Owner

Source: Mille Lacs County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	210 CENTRAL AVE N, MILACA, MN 56353-4655
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST
Jan 28, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2025 · Amount on Record
Deed Sale	Mar 31, 2025 · Amount on Record
Prior Sale	Jan 28, 2021 · Amount on Record
Deed Document Number	2025445374
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	210 CENTRAL AVE N, MILACA, MN 56353-4655
Transaction Type	Mortgage
Record Updated	Dec 1, 2023
Title Company	LEGACY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A438665
Date	Nov 6, 2023
Instrument	A438665

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	CAMBRIDGE, MN 55008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jan 28, 2021
Property Address	210 CENTRAL AVE N, MILACA, MN 56353-4655
Document Number	000A422253
Instrument Date	Jan 19, 2021
Instrument	A422253
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$557.70
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 CENTRAL AVE N, MILACA, MN 56353-4655

Mortgage

Document Number	000A422254
Date	Jan 28, 2021
Instrument	A422254

Lender

Name	FIRST BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 19, 2026

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
Municipality	Milaca City
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,498.00 (+71.66%)	$354,600 (+21.31%) Land $36,800 Building $317,800	$354,600 (+21.31%) Land $36,800 Building $317,800
2025		$292,300 (+33.9%) Land $29,400 Building $262,900	$292,300 (+33.9%) Land $29,400 Building $262,900
2023	$4,368.00	$218,300 Land $27,000 Building $191,300	$218,300 Land $27,000 Building $191,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1995–2016)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jul 2016 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 2 claims

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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Milaca serves 3,043 people · EPA ID MN1480002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Benton Cooperative Telephone Company Cable · Fiber in parts of the area	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: ECE Fiber.

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