545 River Dr SW, Milaca, MN 56353 Property Records

Mille Lacs County property record for 545 River Dr SW, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,092 sqft
Lot Size	1.36 acres (59,242 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Mar 2022)
Tax Bill	$2,520 (2026)
Deeds & Mortgages	Dec 2005 Mortgage Mar 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21-640-0220`

Property Details

APN / Parcel Number

Primary APN	`21-640-0220`

Interior

Building Area	1,092 sqft Total Area

Exterior

Lot Area	59,242 sqft (1.36 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	100 sqft

Location & Zoning

Street Address	545 RIVER DR SW
City	MILACA
State	MN
Zip	56353-1012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF OUTLOT 12, BEG 313 FT S OF NW COR CONT S'LY 151.80 FT, NE'LY 241 FT, SE'LY 97.40 FT, N 140 FT TO BANK OF RUM RIVER
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	2 Individual Names on Record
Mailing Address	545 RIVER DR SW, MILACA, MN 56353-1012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2005	Deed of Trust, Mortgage TOWN & COUNTRY FINANCE INC
Mar 9, 2022	Warranty Deed, Transfer · Conventional Mortgage TRADITION MORTGAGE LLC
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE LLC
Jun 9, 2020	Quit Claim Deed, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT
Jun 9, 2020	Quit Claim Deed, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT
Jun 9, 2020	Warranty Deed, Transfer · Conventional Mortgage TRADITION MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2022 · Amount on Record
Deed Sale	Mar 9, 2022 · Amount on Record
Prior Sale	Jun 9, 2020 · Amount on Record
Deed Document Number	2022430252
Last Transfer Date	Apr 14, 2025
Transfer Doc	000A445725
Record Updated	Oct 29, 2026

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	545 RIVER DR SW, MILACA, MN 56353-1012
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000328800
Date	Dec 29, 2005
Instrument	328800

Lender

Name	TOWN & COUNTRY FINANCE INC
Address	MILACA, MN 56353

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Dec 27, 2007

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Mar 9, 2022
Property Address	545 RIVER DR SW, MILACA, MN 56353-1012
Document Number	000A430252
Instrument Date	Mar 1, 2022
Instrument	A430252
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 RIVER DR SW, MILACA, MN 56353-1012

Mortgage

Document Number	000A430253
Date	Mar 9, 2022
Instrument	A430253

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	545 RIVER DR SW, MILACA, MN 56353-1012
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A417501
Date	Jun 9, 2020
Instrument	A417501

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 9, 2020
Property Address	545 RIVER DR SW, MILACA, MN 56353-1012
Document Number	000A417499
Instrument Date	May 11, 2020
Instrument	A417499
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 156, MILACA, MN 56353-0156

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 9, 2020
Property Address	545 RIVER DR SW, MILACA, MN 56353-1012
Document Number	000A417498
Instrument Date	May 8, 2020
Instrument	A417498
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 156, MILACA, MN 56353-0156

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 9, 2020
Property Address	545 RIVER DR SW, MILACA, MN 56353-1012
Document Number	000A417500
Instrument Date	Jan 29, 2020
Instrument	A417500
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$483.45
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	19590 BOSTON ST NW, ELK RIVER, MN 55330-4122
Investor	Possibly a Property Investor

Mortgage

Document Number	000A417501
Date	Jun 9, 2020
Instrument	A417501

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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	$2,520.00 (+15.38%)	$211,400 (+1.73%) Land $50,000 Building $161,400	$211,400 (+1.73%) Land $50,000 Building $161,400
2025	$2,184.00 (+14.47%) Homeowner's exemption	$207,800 (+21.81%) Land $44,000 Building $163,800	$207,800 (+21.81%) Land $44,000 Building $163,800
2023	$1,908.00	$170,600 Land $34,000 Building $136,600	$170,600 Land $34,000 Building $136,600

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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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