Mille Lacs County property record for 455 Central Ave N, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,186 sqft · built 1910 |
| Lot Size | 0.225 acres (9,799 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $210,000 (Sep 2021) |
| Tax Bill | $2,956 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Jul 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-042-0270 |
| Primary APN | 21-042-0270 |
|---|
| Building Area | 1,186 sqft Living Area |
|---|---|
| Basement Area | 728 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 9,799 sqft (0.225 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 96 sqft |
| Street Address | 455 CENTRAL AVE N |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1539 |
| 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 | 12 |
| Legal Lot Number | 7 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 170500 |
Source: Mille Lacs County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 455 CENTRAL AVE N, MILACA, MN 56353-1539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES |
| Jul 25, 2023 | Deed of Trust, Mortgage HUD |
| Sep 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT INC |
| Sep 23, 2021 | Warranty Deed, Transfer · FHA Mortgage LOAN DEPOT INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2021 · Amount on Record |
| Deed Sale | Sep 23, 2021 · Amount on Record |
| Deed Document Number | 2021427046 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | May 29, 2026 |
| Property Address | 455 CENTRAL AVE N, MILACA, MN 56353-1539 |
| Document Number | 0000451413 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026451413 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 455 CENTRAL AVE N, MILACA, MN 56353-1539 |
| Document Number | 0000451413, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 2026451413 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 455 CENTRAL AVE N, MILACA, MN 56353-1539 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000A437205 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | A437205 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 336 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 455 CENTRAL AVE N, MILACA, MN 56353-1539 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000A427048 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | A427048 |
| Name | LOAN DEPOT INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Sep 23, 2021 |
| Property Address | 455 CENTRAL AVE N, MILACA, MN 56353-1539 |
| Document Number | A427046 |
| Instrument Date | Sep 2, 2021 |
| Instrument | A427046 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $693.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 455 CENTRAL AVE N, MILACA, MN 56353-1539 |
| Document Number | 000A427047 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | A427047 |
| Name | LOAN DEPOT INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 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 | $2,956.00 (+10.05%) | ||
| 2025 | $2,686.00 (+2.21%) Homeowner's exemption | $237,400 (+17.12%) Land $32,000 Building $205,400 | $237,400 (+17.12%) Land $32,000 Building $205,400 |
| 2023 | $2,628.00 | $202,700 Land $28,000 Building $174,700 | $202,700 Land $28,000 Building $174,700 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2014) |
| Most Recent Claim | Jun 2014 · river or lake flooding |
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 99.1% of the US · lower than 96% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 155 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 |
| Benton Cooperative Telephone Company Cable · Fiber in parts of the area | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures