515 4th Ave NW, Milaca, MN 56353 Property Records

Mille Lacs County property record for 515 4th Ave NW, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	896 sqft · built 1984
Lot Size	0.298 acres (12,982 sqft)
Owner	Individual Name on File
Last Sale	$176,000 (Nov 2020)
Tax Bill	$2,652 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-762-0010`

Property Details

APN / Parcel Number

Primary APN	`21-762-0010`

Interior

Building Area	896 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	12,982 sqft (0.298 acres)
Garage Area	632 sqft
Parking Spaces	2 Parking Spaces
Deck Area	224 sqft

Location & Zoning

Street Address	515 4TH AVE NW
City	MILACA
State	MN
Zip	56353-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	27
Legal Township	38
Legal Section	25
Legal Subdivision	RUM RIVER VIEW
Legal Block	1
Legal Lot Number	1
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3015
Census Tract	170500

Owner

515 4th Ave NW is owned and occupied by an individual who bought it in November 2020.

Source: Mille Lacs County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	515 4TH AVE NW, MILACA, MN 56353-1529
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST
Jan 13, 2017	Deed of Trust, Mortgage SPIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2020 · Amount on File
Deed Sale	Nov 6, 2020 · Amount on File
Prior Sale	Jun 10, 2010 · Amount on File
Deed Document Number	2020420417
Prior Transfer Date	Nov 18, 2007
Prior Transfer Doc	A362290
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Nov 6, 2020
Property Address	515 4TH AVE NW, MILACA, MN 56353-1529
Document Number	A420417
Instrument Date	Oct 26, 2020
Instrument	A420417
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 4TH AVE NW, MILACA, MN 56353-1529

Mortgage

Document Number	A420418
Date	Nov 6, 2020
Instrument	A420418

Lender

Name	FRANDSEN BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	515 4TH AVE NW, MILACA, MN 56353-1529
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A398914
Date	Jan 13, 2017
Instrument	A398914

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 13, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 515 4th Ave NW was $2,652.

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	$2,652.00	$222,300 (+2.54%) Land $36,000 Building $186,300	$222,300 (+2.54%) Land $36,000 Building $186,300
2025		$216,800 Land $32,000 Building $184,800	$216,800 Land $32,000 Building $184,800
2023	$2,352.00	$184,400 Land $28,000 Building $156,400	$184,400 Land $28,000 Building $156,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 515 4th Ave NW 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	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

Wildfire risk around 515 4th Ave NW 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.

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 119 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	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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