245 Central Ave N, Milaca, MN 56353 Property Records

Mille Lacs County property record for 245 Central Ave N, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	864 sqft · built 1935
Lot Size	0.337 acres (14,699 sqft)
Owner	2 Individual Names on File
Last Sale	$54,400 (Oct 2015)
Tax Bill	$2,076 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-042-0490`

Property Details

APN / Parcel Number

Primary APN	`21-042-0490`

Interior

Building Area	864 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Lot Area	14,699 sqft (0.337 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	245 CENTRAL AVE N
City	MILACA
State	MN
Zip	56353-1535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& S 1/2 OF LOT 7 BLK 14
Legal Range	27
Legal Township	38
Legal Section	25
Legal Subdivision	SECOND ADDITION TO MILACA
Legal Block	14
Legal Lot Number	8
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	2
Census Block	2023
Census Tract	170500

Owner

245 Central Ave N is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	245 CENTRAL AVE N, MILACA, MN 56353-1535
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
Jan 23, 2024	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Dec 4, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2015 · Amount on File
Deed Sale	Oct 21, 2015 · Amount on File
Prior Sale	Jul 7, 2010 · Amount on File
Deed Document Number	2015424576
Prior Transfer Date	Feb 11, 2010
Prior Transfer Doc	000A360476
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	245 CENTRAL AVE N, MILACA, MN 56353-1535
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	SAI SETTLEMENT SERVICES LLC, SUMMIT SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 CENTRAL AVE N, MILACA, MN 56353-1535

Mortgage

Document Number	000A439633
Date	Jan 23, 2024
Instrument	A439633

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	Dec 4, 2020
Property Address	245 CENTRAL AVE N, MILACA, MN 56353-1535
Document Number	000A421115
Instrument Date	Dec 4, 2020
Instrument	A421115
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Tax	$1.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 CENTRAL AVE N, MILACA, MN 56353-1535

Tax Assessment & Valuation

The 2026 property tax bill for 245 Central Ave N was $2,076.

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	$2,076.00	$181,700 (+2.14%) Land $36,000 Building $145,700	$181,700 (+2.14%) Land $36,000 Building $145,700
2025		$177,900 Land $32,000 Building $145,900	$177,900 Land $32,000 Building $145,900
2023	$1,856.00	$151,700 Land $28,000 Building $123,700	$151,700 Land $28,000 Building $123,700

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

Flood

FEMA maps place 245 Central Ave N in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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
Nearby Flood Claims	1 (2014)
Most Recent Claim	Jun 2014 · river or lake flooding

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 245 Central Ave N 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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