Mille Lacs County property record for 435 Central Ave S, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,621 sqft · built 1960 |
| Lot Size | 0.224 acres (9,775 sqft) |
| Owner | Individual Name on File |
| Last Sale | $224,000 (Jan 2022) |
| Tax Bill | $4,276 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage Jan 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-046-0410 |
| Primary APN | 21-046-0410 |
|---|
| Building Area | 1,621 sqft Living Area |
|---|---|
| Basement Area | 1,621 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 9,775 sqft (0.224 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 324 sqft |
| Street Address | 435 CENTRAL AVE S |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 25 |
| Legal Subdivision | FIFTH ADDITION TO MILACA |
| Legal Block | 50 |
| Legal Lot Number | 13 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 170500 |
Source: Mille Lacs County records · APN 21-046-0410
Assessment roll updated September 5, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 06, 2020 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MORTGAGE |
| Jan 13, 2022 | Warranty Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MORTGAGE |
| Feb 06, 2020 | Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 25, 2018 | Warranty Deed, Transfer · VA Mortgage SUMMIT MORTGAGE |
| Jul 31, 2006 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 13, 2022 · Amount on Record |
| Deed Sale | Jan 13, 2022 · Amount on Record |
| Prior Sale | May 25, 2018 · Amount on Record |
| Deed Document Number | 2022429215 |
| Prior Transfer Date | Nov 18, 2019 |
| Prior Transfer Doc | A415758 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 000A415759 |
|---|---|
| Date | Feb 06, 2020 |
| Instrument | A415759 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000A429217 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | A429217 |
| Name | AMERICAN NEIGHBORHOOD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 01, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jan 13, 2022 |
| Property Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Document Number | 000A429215 |
| Instrument Date | Sep 17, 2021 |
| Instrument | A429215 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $739.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Document Number | 000A429216 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | A429216 |
| Name | AMERICAN NEIGHBORHOOD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Feb 06, 2020 |
| Property Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Document Number | A415758 |
| Instrument Date | Nov 18, 2019 |
| Instrument | A415758 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | STEWART TITLE |
| Tax | $1.65 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 CENTRAL AVE, 435, MILACA, MN 56353 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 435 CENTRAL AVE, MILACA, MN 56353 |
| Document Number | A415759 |
|---|---|
| Date | Feb 06, 2020 |
| Instrument | A415759 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | May 25, 2018 |
| Property Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Document Number | A406289 |
| Instrument Date | Apr 20, 2018 |
| Instrument | A406289 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | COMMUNITY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $544.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 000A406290 |
|---|---|
| Date | May 25, 2018 |
| Instrument | A406290 |
| Name | SUMMIT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jul 31, 2006 |
| Property Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Document Number | 334333 |
| Instrument Date | Jul 27, 2006 |
| Instrument | 334333 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 435 CENTRAL AVE S, MILACA, MN 56353-1128 |
| Investor | Possibly a Property Investor |
| Document Number | 334334 |
|---|---|
| Date | Jul 31, 2006 |
| Instrument | 334334 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2036 |
| Document Number | 0000334335 |
|---|---|
| Date | Jul 31, 2006 |
| Instrument | 334335 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 27, 2021 |
Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| Municipality | Milaca City |
| Unified School District | Milaca Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,276.00 (+8.91%) | ||
| 2025 | $3,926.00 (+5.77%) Homeowner's exemption | $326,500 (+19.82%) Land $32,000 Building $294,500 | $326,500 (+19.82%) Land $32,000 Building $294,500 |
| 2023 | $3,712.00 | $272,500 Land $28,000 Building $244,500 | $272,500 Land $28,000 Building $244,500 |
Source: FEMA National Flood Hazard Layer as of March 4, 2013 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| East Central Energy Fiber | 2,000 / 2,000 |
| Midcontinent Communications Cable · Fiber in parts of the area | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| Benton Cooperative Telephone Company Cable | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 155 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Milaca serves 3,043 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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