443 River Dr W, Milaca, MN 56353 Property Records

Mille Lacs County property record for 443 River Dr W, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,990 sqft · built 2004
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jun 2017)
Tax Bill	$5,554 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`21-035-0800`

Property Details

APN / Parcel Number

Primary APN	`21-035-0800`

Interior

Building Area	1,990 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	56,628 sqft (1.3 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	840 sqft
Shed	1 Shed

Location & Zoning

Street Address	443 RIVER DR W
City	MILACA
State	MN
Zip	56353-1013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF MILACA - PART OF NE OF NE BEG AT N LINE & ON E LINE OF OUTLOTS MILACA, S ON E LINE 60.24 FT, S19D0652E ON E LINE OF
Legal Range	27
Legal Township	38
Legal Section	35
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	443 RIVER DR W, MILACA, MN 56353-1013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE CORP
Jun 19, 2017	Warranty Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2017 · Amount on Record
Deed Sale	Jun 19, 2017 · Amount on Record
Deed Document Number	2017401127
Prior Transfer Date	Mar 6, 2014
Prior Transfer Doc	A384104
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Recording Date	Jul 21, 2026
Property Address	443 RIVER DR W, MILACA, MN 56353-1013
Document Number	0000452082
Instrument Date	Jul 6, 2026
Instrument	2026452082
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	IDEAL TITLE LLC, IDEAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	443 RIVER DR W, MILACA, MN 56353-1013

Mortgage

Document Number	0000452082,
Date	Jul 21, 2026
Instrument	2026452082

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	443 RIVER DR W, MILACA, MN 56353-1013
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A428609
Date	Dec 10, 2021
Instrument	A428609

Lender

Name	PHH MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 19, 2017
Property Address	443 RIVER DR W, MILACA, MN 56353-1013
Document Number	A401127
Instrument Date	Jun 2, 2017
Instrument	A401127
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 RIVER DR W, MILACA, MN 56353-1013

Mortgage

Document Number	A401128
Date	Jun 19, 2017
Instrument	A401128

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$5,554.00 (+10.46%)	$425,800 (+3.12%) Land $47,000 Building $378,800	$425,800 (+3.12%) Land $47,000 Building $378,800
2025	$5,028.00 (+5.45%) Homeowner's exemption	$412,900 (+19.68%) Land $41,600 Building $371,300	$412,900 (+19.68%) Land $41,600 Building $371,300
2023	$4,768.00	$345,000 Land $32,800 Building $312,200	$345,000 Land $32,800 Building $312,200

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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.

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 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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