425 Central Ave N, Milaca, MN 56353 Property Records

Mille Lacs County property record for 425 Central Ave N, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,080 sqft · built 1910
Lot Size	0.225 acres (9,799 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Mar 2019)
Tax Bill	$2,428 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-042-0300`

Property Details

APN / Parcel Number

Primary APN	`21-042-0300`

Interior

Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	9,799 sqft (0.225 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	144 sqft

Location & Zoning

Street Address	425 CENTRAL AVE N
City	MILACA
State	MN
Zip	56353-1539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	27
Legal Township	38
Legal Section	25
Legal Subdivision	SECOND ADDITION TO MILACA
Legal Block	12
Legal Lot Number	10
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	2
Census Block	2021
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	Individual Name on Record
Mailing Address	425 CENTRAL AVE N, MILACA, MN 56353-1539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO
Mar 26, 2019	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2019 · Amount on Record
Deed Sale	Mar 26, 2019 · Amount on Record
Prior Sale	Jun 3, 2005 · Amount on Record
Deed Document Number	2019410829
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	425 CENTRAL AVE N, MILACA, MN 56353-1539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DCA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A417997
Date	Jul 8, 2020
Instrument	A417997

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Mar 26, 2019
Property Address	425 CENTRAL AVE N, MILACA, MN 56353-1539
Document Number	A410829
Instrument Date	Mar 22, 2019
Instrument	A410829
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
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	425 CENTRAL AVE S # H, H, MILACA, MN 56353-1128

Mortgage

Document Number	A410830
Date	Mar 26, 2019
Instrument	A410830

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$2,428.00 (+11.99%)	$205,500 (+1.88%) Land $36,000 Building $169,500	$205,500 (+1.88%) Land $36,000 Building $169,500
2025		$201,700 (+16.72%) Land $32,000 Building $169,700	$201,700 (+16.72%) Land $32,000 Building $169,700
2023	$2,168.00	$172,800 Land $28,000 Building $144,800	$172,800 Land $28,000 Building $144,800

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	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

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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