Mille Lacs County property record for 460 Central Ave S, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 700 sqft · built 1940 |
| Lot Size | 0.204 acres (8,903 sqft) |
| Owner | Individual Name on File |
| Last Sale | $181,000 (May 2023) |
| Tax Bill | $1,692 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-046-0230 |
| Primary APN | 21-046-0230 |
|---|
| Building Area | 700 sqft Living Area |
|---|
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 8,903 sqft (0.204 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 252 sqft |
| Street Address | 460 CENTRAL AVE S |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 4 FT OF LOT 5 BLK 49 & N 56 FT OF LOT 6 BLK 49 |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 25 |
| Legal Subdivision | FIFTH ADDITION TO MILACA |
| Legal Block | 49 |
| Legal Lot Number | 5-6 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 170500 |
460 Central Ave S is owned and occupied by an individual who bought it in May 2023.
Source: Mille Lacs County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 460 CENTRAL AVE S, MILACA, MN 56353-1129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BLAZE CREDIT UNION |
| May 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE |
| Mar 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2023 · Amount on File |
| Deed Sale | May 5, 2023 · Amount on File |
| Prior Sale | Mar 26, 2019 · Amount on File |
| Deed Document Number | 2023436107 |
| Prior Transfer Date | Mar 2, 2013 |
| Prior Transfer Doc | 000A378525 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 460 CENTRAL AVE S, MILACA, MN 56353-1129 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Title Company | SERVION TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 000A449186 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | A449186 |
| Name | BLAZE CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55113 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | May 5, 2023 |
| Property Address | 460 CENTRAL AVE S, MILACA, MN 56353-1129 |
| Document Number | 000A436107 |
| Instrument Date | Apr 28, 2023 |
| Instrument | A436107 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $597.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 460 CENTRAL AVE S, MILACA, MN 56353-1129 |
| Document Number | 000A436108 |
|---|---|
| Date | May 5, 2023 |
| Instrument | A436108 |
| Name | PROSPERITY HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Mar 26, 2019 |
| Property Address | 460 CENTRAL AVE S, MILACA, MN 56353-1129 |
| Document Number | 000A410838 |
| Instrument Date | Mar 19, 2019 |
| Instrument | A410838 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $402.60 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 460 CENTRAL AVE S, MILACA, MN 56353-1129 |
| Document Number | 000A410839 |
|---|---|
| Date | Mar 26, 2019 |
| Instrument | A410839 |
| Name | PLAZA HOME MORTGAGE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 460 Central Ave S was $1,692, up 12.1% from the year before.
Source: Mille Lacs County assessment roll, as of September 4, 2026
| 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 | $1,692.00 (+12.05%) | $154,700 (+1.78%) Land $36,000 Building $118,700 | $154,700 (+1.78%) Land $36,000 Building $118,700 |
| 2025 | $1,510.00 Homeowner's exemption | $152,000 Land $32,000 Building $120,000 | $152,000 Land $32,000 Building $120,000 |
| 2023 | $1,558.00 | $130,800 Land $28,000 Building $102,800 | $130,800 Land $28,000 Building $102,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 460 Central Ave S in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|
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 risk around 460 Central Ave S is low, with a 0.02% annual chance of 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 | 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) |
|---|---|
| ECE Fiber Fiber | 2,000 / 2,000 |
| Midco Cable · Fiber in parts of the area | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Benton Cooperative Telephone Company Cable | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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