515 River Dr SW, Milaca, MN 56353 Property Records

Mille Lacs County property record for 515 River Dr SW, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,352 sqft · built 1991
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (May 2014)
Tax Bill	$4,868 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Dec 2020 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`21-640-0230`

Property Details

APN / Parcel Number

Primary APN	`21-640-0230`

Interior

Building Area	1,352 sqft Total Area
Basement Area	1,352 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	30,928 sqft (0.71 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Shed	1 Shed
Shed Area	140 sqft
Cabin	768 sqft

Location & Zoning

Street Address	515 RIVER DR SW
City	MILACA
State	MN
Zip	56353-1012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 14 RDS 2 FT OF OUTLOT 12, EX SLY 2 FT 6 IN, ON W LINE & SLY 19 9 ON NELY LINE
Legal Range	27
Legal Township	38
Legal Section	35
Legal Subdivision	OUTLOTS TO MILACA
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3033
Census Tract	170500

Owner

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	Individual Name on Record
Mailing Address	515 RIVER DR SW, MILACA, MN 56353-1012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPIRE CU
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO
Jul 20, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 25, 2021	Quit Claim Deed, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT
Jul 13, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2014 · Amount on Record
Deed Sale	May 23, 2014 · Amount on Record
Prior Sale	May 23, 2014 · Amount on Record
Deed Document Number	2014385102
Prior Transfer Date	May 12, 2014
Prior Transfer Doc	000A385099
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	515 RIVER DR SW, MILACA, MN 56353-1012
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	T M TITLE SERVICES INC, C U TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A438139
Date	Oct 3, 2023
Instrument	A438139

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Sep 15, 2030

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	515 RIVER DR SW, MILACA, MN 56353-1012
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A421241
Date	Dec 8, 2020
Instrument	A421241

Lender

Name	FIRST BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 27, 2025

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	515 RIVER DR SW, MILACA, MN 56353-1012
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A420604
Date	Nov 13, 2020
Instrument	A420604

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	515 RIVER DR SW, MILACA, MN 56353-1012
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A432266
Date	Jul 20, 2022
Instrument	A432266

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jan 25, 2021
Property Address	515 RIVER DR SW, MILACA, MN 56353-1012
Document Number	000A422161
Instrument Date	Jan 22, 2021
Instrument	A422161
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Tax	$1.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 RIVER DR SW, MILACA, MN 56353-1012

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLE LACS MN
Recording Date	Jul 13, 2018
Property Address	515 RIVER DR SW, MILACA, MN 56353-1012
Document Number	000A407033
Instrument Date	Jun 29, 2018
Instrument	A407033
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	DCA TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	515 RIVER DR SW, MILACA, MN 56353-1012

Mortgage

Document Number	000A407034
Date	Jul 13, 2018
Instrument	A407034

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$4,868.00 (+9.05%)	$374,700 (+2.21%) Land $35,200 Building $339,500	$374,700 (+2.21%) Land $35,200 Building $339,500
2025	$4,464.00 (+13.99%) Homeowner's exemption	$366,600 (+17.2%) Land $32,200 Building $334,400	$366,600 (+17.2%) Land $32,200 Building $334,400
2023	$3,916.00	$312,800 Land $28,100 Building $284,700	$312,800 Land $28,100 Building $284,700

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

Flood

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	No
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	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

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 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

May also be available: Benton Cooperative Telephone Company, ECE Fiber.

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