440 River Dr W, Milaca, MN 56353 Property Records

Mille Lacs County property record for 440 River Dr W, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,008 sqft · built 1920
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jul 2021)
Tax Bill	$3,394 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-640-0071`

Property Details

APN / Parcel Number

Primary APN	`21-640-0071`

Interior

Building Area	1,008 sqft Living Area
Basement Area	1,008 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	33,541 sqft (0.77 acres)
Garage Type	Mixed
Garage Area	1,132 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Deck Area	140 sqft

Location & Zoning

Street Address	440 RIVER DR W
City	MILACA
State	MN
Zip	56353-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N'LY 280 FT OF S'LY 315 FT OF E'LY 125 FT OF OUTLOT 5, N OF HY 23 R/W, AS DES IN 12/18/86 SKETCH .77
Legal Range	27
Legal Township	38
Legal Section	35
Legal Subdivision	OUTLOTS TO MILACA
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3009
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	440 RIVER DR W, MILACA, MN 56353-1007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GSF MORTGAGE CORP
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage GSF MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	May 14, 2013 · Amount on Record
Deed Document Number	2021425757
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	440 RIVER DR W, MILACA, MN 56353-1007
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A425759
Date	Jul 20, 2021
Instrument	A425759

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2031

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 20, 2021
Property Address	440 RIVER DR W, MILACA, MN 56353-1007
Document Number	A425757
Instrument Date	Jul 12, 2021
Instrument	A425757
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
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	440 RIVER DR W, MILACA, MN 56353-1007

Mortgage

Document Number	000A425758
Date	Jul 20, 2021
Instrument	A425758

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

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	$3,394.00 (+12.83%)	$269,700 (+1.05%) Land $36,400 Building $233,300	$269,700 (+1.05%) Land $36,400 Building $233,300
2025		$266,900 (+16.6%) Land $33,100 Building $233,800	$266,900 (+16.6%) Land $33,100 Building $233,800
2023	$3,008.00	$228,900 Land $28,600 Building $200,300	$228,900 Land $28,600 Building $200,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 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

May also be available: Benton Cooperative Telephone Company, ECE Fiber.

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