220 2nd St SE, Milaca, MN 56353 Property Records

Mille Lacs County property record for 220 2nd St SE, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	752 sqft · built 1910
Lot Size	0.183 acres (7,984 sqft)
Owner	Individual Name on File
Last Sale	$167,000 (Feb 2024)
Tax Bill	$2,092 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-043-2050`

Property Details

APN / Parcel Number

Primary APN	`21-043-2050`

Interior

Building Area	752 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	7,984 sqft (0.183 acres)
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	192 sqft
Shed	1 Shed

Location & Zoning

Street Address	220 2ND ST SE
City	MILACA
State	MN
Zip	56353-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 60.5 FT OF W 98.5 FT OF S 132 FT OF LOT 3 BLK 38
Legal Range	27
Legal Township	38
Legal Section	25
Legal Subdivision	THIRD ADDITION TO MILACA
Legal Block	38
Legal Lot Number	3
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3042
Census Tract	170500

Owner

220 2nd St SE is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	220 2ND ST SE, MILACA, MN 56353-1208
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
Feb 13, 2024	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE & EQUITY
Aug 23, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK MILACA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2024 · Amount on File
Deed Sale	Feb 13, 2024 · Amount on File
Prior Sale	Aug 23, 2018 · Amount on File
Deed Document Number	2024439940
Prior Transfer Date	Nov 20, 2008
Prior Transfer Doc	352715
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Feb 13, 2024
Property Address	220 2ND ST SE, MILACA, MN 56353-1208
Document Number	000A439940
Instrument Date	Feb 9, 2024
Instrument	A439940
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$551.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 2ND ST SE, MILACA, MN 56353-1208

Mortgage

Document Number	000A439941
Date	Feb 13, 2024
Instrument	A439941

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	220 2ND ST SE, MILACA, MN 56353-1208
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A402981
Date	Oct 12, 2017
Instrument	A402981

Lender

Name	AMERICAN MORTGAGE & EQUITY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Aug 23, 2018
Property Address	220 2ND ST SE, MILACA, MN 56353-1208
Document Number	A407721
Instrument Date	Aug 15, 2018
Instrument	A407721
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	ABSTRACTS & TITLES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
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	11673 125TH AVE, MILACA, MN 56353-4007

Mortgage

Document Number	A407722
Date	Aug 23, 2018
Instrument	A407722

Lender

Name	FIRST NATIONAL BANK MILACA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2038

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 220 2nd St SE was $2,092.

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	$2,092.00	$184,100 (+2.85%) Land $36,000 Building $148,100	$184,100 (+2.85%) Land $36,000 Building $148,100
2025		$179,000 Land $32,000 Building $147,000	$179,000 Land $32,000 Building $147,000
2023	$2,176.00	$153,200 Land $28,000 Building $125,200	$153,200 Land $28,000 Building $125,200

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

Flood

FEMA maps place 220 2nd St SE in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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

Wildfire risk around 220 2nd St SE is low, with a 0.01% annual chance of 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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