Mille Lacs County property record for 445 River Dr W, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,056 sqft · built 1968 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Jun 2021) |
| Tax Bill | $2,816 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Jun 2023 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 21-035-0300 |
| Primary APN | 21-035-0300 |
|---|
| Building Area | 1,056 sqft Living Area |
|---|---|
| Basement Area | 1,056 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Lot Area | 28,750 sqft (0.66 acres) |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 140 sqft |
| Street Address | 445 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 60.24 FT, SE'LY 194.39 FT, TO PT OF BEG |
| 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 |
Source: Mille Lacs County assessment roll, as of September 5, 2025
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 RIVER DR W, MILACA, MN 56353-1013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Jun 7, 2023 | Deed of Trust, Mortgage HUD |
| Jun 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA |
| Nov 8, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Jun 8, 2021 | Warranty Deed, Transfer · FHA Mortgage GOLDWATER BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 8, 2021 · Amount on Record |
| Deed Sale | Jun 8, 2021 · Amount on Record |
| Deed Document Number | 2021424974 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | May 7, 2026 |
| Property Address | 445 RIVER DR W, MILACA, MN 56353-1013 |
| Document Number | 0000451115 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026451115 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 445 RIVER DR W, MILACA, MN 56353-1013 |
| Document Number | 0000451115, |
|---|---|
| Date | May 7, 2026 |
| Instrument | 2026451115 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2051 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 445 RIVER DR W, MILACA, MN 56353-1013 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000A436525 |
|---|---|
| Date | Jun 7, 2023 |
| Instrument | A436525 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 336 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 445 RIVER DR W, MILACA, MN 56353-1013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 000A424976 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | A424976 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 1, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 445 RIVER DR W, MILACA, MN 56353-1013 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000A414203 |
|---|---|
| Date | Nov 8, 2019 |
| Instrument | A414203 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jun 8, 2021 |
| Property Address | 445 RIVER DR W, MILACA, MN 56353-1013 |
| Document Number | 000A424974 |
| Instrument Date | May 27, 2021 |
| Instrument | A424974 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 445 RIVER DR W, MILACA, MN 56353-1013 |
| Document Number | 000A424975 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | A424975 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Mille Lacs County assessment roll, as of September 5, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| Municipality | Milaca City |
| Unified School District | Milaca Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,816.00 (+10.43%) | ||
| 2025 | $2,550.00 (+3.83%) Homeowner's exemption | $227,100 (+19.65%) Land $31,400 Building $195,700 | $227,100 (+19.65%) Land $31,400 Building $195,700 |
| 2023 | $2,456.00 | $189,800 Land $27,700 Building $162,100 | $189,800 Land $27,700 Building $162,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | Yes |
| 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 |
|
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: 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 |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
May also be available: Benton Cooperative Telephone Company, East Central Energy.
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