Mille Lacs County property record for 540 Central Ave N, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 832 sqft · built 1930 |
| Lot Size | 0.507 acres (22,101 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $2,284 (2026) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-045-0060 |
| Primary APN | 21-045-0060 |
|---|
| Building Area | 832 sqft Living Area |
|---|
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 22,101 sqft (0.507 acres) |
| Garage Type | Mixed |
| Garage Area | 908 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Deck Area | 120 sqft |
| Street Address | 540 CENTRAL AVE N |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | & LOT 2 BLK 41 & E 1/2 OF VAC N-S ALLEY ADJ & N 1/2 OF VAC E-W ALLEY ADJ |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 25 |
| Legal Subdivision | FOURTH ADDITION TO MILACA |
| Legal Block | 41 |
| Legal Lot Number | 1 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 3 |
| Census Block | 3022 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 540 CENTRAL AVE N, MILACA, MN 56353-1542 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Mar 14, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU |
| Jul 29, 2022 | Limited Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO |
| Apr 19, 2022 | Warranty Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 7, 2005 |
| Transfer Doc | 0000321262 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 540 CENTRAL AVE N, MILACA, MN 56353-1542 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2024 |
| Name | Verified Name |
|---|---|
| Address | 540 CENTRAL AVE N, MILACA, MN 56353-1542 |
| Document Number | 000A440276 |
|---|---|
| Date | Mar 14, 2024 |
| Instrument | A440276 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Feb 20, 2039 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jul 29, 2022 |
| Property Address | 540 CENTRAL AVE N, MILACA, MN 56353-1542 |
| Document Number | 000A432385 |
| Instrument Date | Jul 22, 2022 |
| Instrument | A432385 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 CENTRAL AVE N, MILACA, MN 56353-1542 |
| Investor | Possibly a Property Investor |
| Document Number | 000A432386 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | A432386 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Apr 19, 2022 |
| Property Address | 540 CENTRAL AVE N, MILACA, MN 56353-1542 |
| Document Number | 000A430854 |
| Instrument Date | Mar 31, 2020 |
| Instrument | A430854 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 15, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420 |
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 | $2,284.00 (+10.44%) | $194,200 (+1.15%) Land $36,000 Building $158,200 | $194,200 (+1.15%) Land $36,000 Building $158,200 |
| 2025 | $2,068.00 (-0.67%) Homeowner's exemption | $192,000 (+16.08%) Land $32,000 Building $160,000 | $192,000 (+16.08%) Land $32,000 Building $160,000 |
| 2023 | $2,082.00 | $165,400 Land $28,000 Building $137,400 | $165,400 Land $28,000 Building $137,400 |
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 | 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.
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 |
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