345 3rd Ave NW, Milaca, MN 56353 Property Records

Mille Lacs County property record for 345 3rd Ave NW, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	640 sqft · built 1905
Lot Size	0.225 acres (9,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,500 (Feb 2024)
Tax Bill	$1,402 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-041-0570`

Property Details

APN / Parcel Number

Primary APN	`21-041-0570`

Interior

Building Area	640 sqft Living Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	9,799 sqft (0.225 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	345 3RD AVE NW
City	MILACA
State	MN
Zip	56353-1517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	27
Legal Township	38
Legal Section	25
Legal Subdivision	FIRST ADDITION TO MILACA
Legal Block	8
Legal Lot Number	8
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3019
Census Tract	170500

Owner

Source: Mille Lacs County records, as of September 4, 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 Record
Mailing Address	345 3RD AVE NW, MILACA, MN 56353-1517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Warranty Deed, Transfer · USDA Mortgage NEIGHBORHOOD LOANS
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK MILACA
Sep 20, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK MILACA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2024 · Amount on Record
Deed Sale	Feb 12, 2024 · Amount on Record
Prior Sale	Sep 20, 2018 · Amount on Record
Deed Document Number	2024439931
Prior Transfer Date	Mar 17, 2008
Prior Transfer Doc	0000348184
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Feb 12, 2024
Property Address	345 3RD AVE NW, MILACA, MN 56353-1517
Document Number	000A439931
Instrument Date	Feb 9, 2024
Instrument	A439931
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$556.05
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	345 3RD AVE NW, MILACA, MN 56353-1517

Mortgage

Document Number	000A439932
Date	Feb 12, 2024
Instrument	A439932

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	345 3RD AVE NW, MILACA, MN 56353-1517
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	ALL AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A414337
Date	Nov 19, 2019
Instrument	A414337

Lender

Name	FIRST NATIONAL BANK MILACA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Nov 1, 2022

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 20, 2018
Property Address	345 3RD AVE NW, MILACA, MN 56353-1517
Document Number	000A408174
Instrument Date	Sep 14, 2018
Instrument	A408174
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.75
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	11673 125TH AVE, MILACA, MN 56353-4007

Mortgage

Document Number	000A408175
Date	Sep 20, 2018
Instrument	A408175

Lender

Name	FIRST NATIONAL BANK MILACA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2038

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	$1,402.00 (+12.16%)	$134,000 (+1.21%) Land $36,000 Building $98,000	$134,000 (+1.21%) Land $36,000 Building $98,000
2025	$1,250.00 (-24.33%) Homeowner's exemption	$132,400 (+15.23%) Land $32,000 Building $100,400	$132,400 (+15.23%) Land $32,000 Building $100,400
2023	$1,652.00	$114,900 Land $28,000 Building $86,900	$114,900 Land $28,000 Building $86,900

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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