445 3rd Ave NW, Milaca, MN 56353 Property Records

Mille Lacs County property record for 445 3rd Ave NW, Milaca, MN 56353 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,128 sqft · built 1939
Lot Size	0.225 acres (9,799 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,648 (2026)
Deeds & Mortgages	Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-042-0080`

Property Details

APN / Parcel Number

Primary APN	`21-042-0080`

Interior

Building Area	1,128 sqft Total Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Lot Area	9,799 sqft (0.225 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	445 3RD AVE NW
City	MILACA
State	MN
Zip	56353-1519
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	10
Legal Lot Number	8
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3020
Census Tract	170500

Owner

Source: Mille Lacs County records · APN 21-042-0080

Assessment roll updated September 5, 2025 · Last verified July 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 File
Mailing Address	445 3RD AVE NW, MILACA, MN 56353-1519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 26, 2009
Transfer Doc	355967
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	445 3RD AVE NW, MILACA, MN 56353-1519
Transaction Type	Mortgage
Record Updated	Apr 04, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A405214
Date	Mar 09, 2018
Instrument	A405214

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 15, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 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

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	$3,648.00 (+9.22%)
2025	$3,340.00 (+3.02%) Homeowner's exemption	$284,100 (+16.82%) Land $32,000 Building $252,100	$284,100 (+16.82%) Land $32,000 Building $252,100
2023	$3,242.00	$243,200 Land $28,000 Building $215,200	$243,200 Land $28,000 Building $215,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mille Lacs County (27095C), updated March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270951705003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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 Storm	Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 226 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	1,250 / 60
Verizon	Fixed Wireless	300 / 20
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130
Benton Cooperative Telephone Company	Cable	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: East Central Energy, Benton Cooperative Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.