420 3rd Ave NW, Milaca, MN 56353 Property Records

Mille Lacs County property record for 420 3rd Ave NW, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	860 sqft · built 1948
Lot Size	0.225 acres (9,799 sqft)
Owner	Individual Name on File
Last Sale	$120,348 (Mar 2019)
Tax Bill	$1,834 (2026)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-045-0270`

Property Details

APN / Parcel Number

Primary APN	`21-045-0270`

Interior

Building Area	860 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	9,799 sqft (0.225 acres)
Deck Area	64 sqft

Location & Zoning

Street Address	420 3RD AVE NW
City	MILACA
State	MN
Zip	56353-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	27
Legal Township	38
Legal Section	25
Legal Subdivision	FOURTH ADDITION TO MILACA
Legal Block	45
Legal Lot Number	5
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3015
Census Tract	170500

Owner

420 3rd Ave NW is owned and occupied by an individual who bought it in March 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	420 3RD AVE NW, MILACA, MN 56353-1520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2019	Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE
Aug 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2019 · Amount on File
Deed Sale	Mar 5, 2019 · Amount on File
Deed Document Number	2019410545
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Mar 5, 2019
Property Address	420 3RD AVE NW, MILACA, MN 56353-1520
Document Number	A410545
Instrument Date	Feb 26, 2019
Instrument	A410545
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	LIBERTY TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.15
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	420 3RD AVE NW, MILACA, MN 56353-1520

Mortgage

Document Number	A410546
Date	Mar 5, 2019
Instrument	A410546

Lender

Name	WATERSTONE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	420 3RD AVE NW, MILACA, MN 56353-1520
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A402227
Date	Aug 29, 2017
Instrument	A402227

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 420 3rd Ave NW was $1,834.

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	$1,834.00	$166,000 (+2.72%) Land $36,000 Building $130,000	$166,000 (+2.72%) Land $36,000 Building $130,000
2025		$161,600 Land $32,000 Building $129,600	$161,600 Land $32,000 Building $129,600
2023	$1,540.00	$135,400 Land $28,000 Building $107,400	$135,400 Land $28,000 Building $107,400

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

Flood

FEMA maps place 420 3rd Ave NW 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 420 3rd Ave NW 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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