Mille Lacs County property record for 515 4th Ave SE, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,492 sqft · built 1961 |
| Lot Size | 0.225 acres (9,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $201,000 (Oct 2020) |
| Tax Bill | $3,478 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Oct 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-043-1460 |
| Primary APN | 21-043-1460 |
|---|
| Building Area | 1,492 sqft Total Area |
|---|---|
| Basement Area | 1,276 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Lot Area | 9,799 sqft (0.225 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 515 4TH AVE SE |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BLK 31 EX S 66 FT & EX N 66 FT |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 25 |
| Legal Subdivision | THIRD ADDITION TO MILACA |
| Legal Block | 31 |
| Legal Lot Number | 2 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 170500 |
Source: Mille Lacs County records, as of September 4, 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 Record |
|---|---|
| Mailing Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2026 | Deed of Trust, Mortgage · Line of Credit ROYAL CREDIT UNION |
| Oct 6, 2020 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Jul 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC |
| May 1, 2018 | Deed, Transfer · Conventional Mortgage FARMERS STATE BANK WATKINS |
| Aug 9, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage FIRST NATIONAL BANK OF MILACA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2020 · Amount on Record |
| Deed Sale | Oct 6, 2020 · Amount on Record |
| Prior Sale | Jul 30, 2018 · Amount on Record |
| Deed Document Number | 2020419700 |
| Prior Transfer Date | Jul 1, 2016 |
| Prior Transfer Doc | A395966 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Aug 7, 2026 |
| Property Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Document Number | 0000452335 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 2026452335 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Document Number | 0000452335, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 2026452335 |
| Name | ROYAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 22, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Oct 6, 2020 |
| Property Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Document Number | A419700 |
| Instrument Date | Sep 25, 2020 |
| Instrument | A419700 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $663.30 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Document Number | A419701 |
|---|---|
| Date | Oct 6, 2020 |
| Instrument | A419701 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jul 30, 2018 |
| Property Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Document Number | A407274 |
| Instrument Date | Jul 11, 2018 |
| Instrument | A407274 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $593.67 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Document Number | A407275 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | A407275 |
| Name | GENEVA FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | May 1, 2018 |
| Property Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Document Number | A405942 |
| Instrument Date | Apr 27, 2018 |
| Instrument | A405942 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $468.60 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 157 CENTRAL AVE S, MILACA, MN 56353-1122 |
| Document Number | A405943 |
|---|---|
| Date | May 1, 2018 |
| Instrument | A405943 |
| Name | FARMERS STATE BANK WATKINS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Apr 27, 2021 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 515 4TH AVE SE, MILACA, MN 56353-1244 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | , A401966 |
|---|---|
| Date | Aug 9, 2017 |
| Instrument | A401966 |
| Name | FIRST NATIONAL BANK OF MILACA |
|---|---|
| Type | Bank |
| Address | MILACA, MN 56353 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 63 Months |
| Due | Nov 1, 2022 |
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 | $3,478.00 (+9.51%) | $278,100 (+2.02%) Land $36,000 Building $242,100 | $278,100 (+2.02%) Land $36,000 Building $242,100 |
| 2025 | $3,176.00 (+5.51%) Homeowner's exemption | $272,600 (+19.98%) Land $32,000 Building $240,600 | $272,600 (+19.98%) Land $32,000 Building $240,600 |
| 2023 | $3,010.00 | $227,200 Land $28,000 Building $199,200 | $227,200 Land $28,000 Building $199,200 |
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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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) |
|---|---|
| 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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