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440 Central Ave S, Milaca, MN 56353 Property Records

Mille Lacs County property record for 440 Central Ave S, Milaca, MN 56353

Property Summary

Property TypeSingle Family Home
Details672 sqft · built 1910
Lot Size0.224 acres (9,798 sqft)
Owner2 Individual Names on Record
Tax Bill$1,814 (2026)
Deeds & MortgagesJan 2021 Sale
Apr 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-046-0210

Property Details

APN / Parcel Number

Primary APN21-046-0210

Interior

Building Area672 sqft Living Area

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Lot Area9,798 sqft (0.224 acres)
Garage Area432 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Deck Area196 sqft

Location & Zoning

Street Address440 CENTRAL AVE S
CityMILACA
StateMN
Zip56353-1129
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Range27
Legal Township38
Legal Section25
Legal SubdivisionFIFTH ADDITION TO MILACA
Legal Block49
Legal Lot Number4
JurisdictionMILLE LACS MN
Township / Civil DivisionMILACA
Census Block Group3
Census Block3047
Census Tract170500

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 Record2 Individual Names on Record
Mailing Address440 CENTRAL AVE S, MILACA, MN 56353-1129
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 22, 2021Warranty Deed, Transfer
EXECUTIVE TITLE, EXECUTIVE ASSOCIATES TITLE
Apr 13, 2020Warranty Deed, Transfer · FHA Mortgage
MORTGAGE UNLIMITED

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 22, 2021
Deed SaleJan 22, 2021
Prior SaleApr 13, 2020 · Amount on Record
Deed Document Number2021422121
Prior Transfer DateDec 30, 2020
Prior Transfer DocA422121
Record UpdatedOct 29, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMILLE LACS MN
Recording DateJan 22, 2021
Property Address440 CENTRAL AVE S, MILACA, MN 56353-1129
Document NumberA422121
Instrument DateDec 30, 2020
InstrumentA422121
Transaction TypeTransfer
Record UpdatedAug 23, 2021
Title CompanyEXECUTIVE TITLE, EXECUTIVE ASSOCIATES TITLE

Transaction

Tax$1.65
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address440 CENTRAL AVE S, 440, MILACA, MN 56353-1129

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address440 CENTRAL AVE S, MILACA, MN 56353-1129

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMILLE LACS MN
Recording DateApr 13, 2020
Property Address440 CENTRAL AVE S, MILACA, MN 56353-1129
Document NumberA416628
Instrument DateMar 27, 2020
InstrumentA416628
Transaction TypeTransfer
Record UpdatedAug 23, 2021
Title CompanyHOME SECURITY ABSTRACT & TIT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$445.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 CENTRAL AVE S, MILACA, MN 56353-1129

Mortgage

Document NumberA416629
DateApr 13, 2020
InstrumentA416629
Lender
NameMORTGAGE UNLIMITED
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2050
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 4, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyMille Lacs County
MunicipalityMilaca City
Unified School DistrictMilaca Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,814.00 (+12.95%)$164,500 (+2.68%) Land $36,000 Building $128,500$164,500 (+2.68%) Land $36,000 Building $128,500
2025$1,606.00 (+5.24%) Homeowner's exemption$160,200 (+18.49%) Land $32,000 Building $128,200$160,200 (+18.49%) Land $32,000 Building $128,200
2023$1,526.00$135,200 Land $28,000 Building $107,200$135,200 Land $28,000 Building $107,200

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims6 (1995–2016)
Claims Outside the SFHA2 of 6
Most Recent ClaimJul 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 RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemMilaca
serves 3,043 people · EPA ID MN1480002
Water SourceGroundwater
Last State InspectionJul 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 155 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
ECE Fiber
Fiber		2,000 / 2,000
Midco
Cable · Fiber in parts of the area		1,250 / 60
Verizon
Fixed Wireless		300 / 20
GigFire
Fixed Wireless		150 / 130
Benton Cooperative Telephone Company
Cable		100 / 20
AT&T
Fixed Wireless		100 / 20

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