545 4th Ave NW, Milaca, MN 56353 Property Records

Mille Lacs County property record for 545 4th Ave NW, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,096 sqft · built 1938
Lot Size	0.319 acres (13,905 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jul 2023)
Tax Bill	$2,764 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-762-0030`

Property Details

APN / Parcel Number

Primary APN	`21-762-0030`

Interior

Building Area	1,096 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	13,905 sqft (0.319 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	96 sqft

Location & Zoning

Street Address	545 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	3
Jurisdiction	MILLE LACS MN
Township / Civil Division	MILACA
Census Block Group	3
Census Block	3015
Census Tract	170500

Owner

545 4th Ave NW is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	545 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
Jul 6, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Dec 10, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG & EQUITY CONSULT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2023 · Amount on File
Deed Sale	Jul 6, 2023 · Amount on File
Prior Sale	Dec 10, 2019 · Amount on File
Deed Document Number	2023436937
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 6, 2023
Property Address	545 4TH AVE NW, MILACA, MN 56353-1529
Document Number	000A436937
Instrument Date	Jun 29, 2023
Instrument	A436937
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	545 4TH AVE NW, MILACA, MN 56353-1529

Mortgage

Document Number	000A436938
Date	Jul 6, 2023
Instrument	A436938

Lender

Name	MOVEMENT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	545 4TH AVE NW, MILACA, MN 56353-1529
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A429586
Date	Jan 31, 2022
Instrument	A429586

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2042

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Dec 10, 2019
Property Address	545 4TH AVE NW, MILACA, MN 56353-1529
Document Number	A414725
Instrument Date	Dec 4, 2019
Instrument	A414725
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	$527.67
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	545 4TH AVE NW, MILACA, MN 56353-1529

Mortgage

Document Number	A414726
Date	Dec 10, 2019
Instrument	A414726

Lender

Name	AMERICAN MTG & EQUITY CONSULT

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 545 4th Ave NW was $2,764.

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	$2,764.00	$227,200 (+1.25%) Land $36,000 Building $191,200	$227,200 (+1.25%) Land $36,000 Building $191,200
2025		$224,400 Land $32,000 Building $192,400	$224,400 Land $32,000 Building $192,400
2023	$2,484.00 (+3.85%)	$192,000 (-1.79%) Land $28,000 Building $164,000	$192,000 (-1.79%) Land $28,000 Building $164,000
2022	$2,392.00	$195,500 Land $28,000 Building $167,500	$195,500 Land $28,000 Building $167,500

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

Flood

FEMA maps place 545 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 545 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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