Mille Lacs County property record for 605 3rd St SE, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 836 sqft |
| Lot Size | 0.26 acres (11,351 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Mar 2023) |
| Tax Bill | $1,390 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-043-0470 |
| Primary APN | 21-043-0470 |
|---|
| Building Area | 836 sqft Living Area |
|---|---|
| Basement Area | 396 sqft |
| Lot Area | 11,351 sqft (0.26 acres) |
|---|---|
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Street Address | 605 3RD ST SE |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 4 RDS OF LOT 1 BLK 22 EX S 24 FT |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 25 |
| Legal Subdivision | THIRD ADDITION TO MILACA |
| Legal Block | 22 |
| Legal Lot Number | 1 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 2 |
| Census Block | 2038 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 605 3RD ST SE, MILACA, MN 56353-1310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS BANK NA |
| Mar 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Feb 4, 2020 | Limited Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 7, 2023 · Amount on Record |
| Deed Sale | Mar 7, 2023 · Amount on Record |
| Deed Document Number | 2023435403 |
| Prior Transfer Date | Dec 30, 2004 |
| Prior Transfer Doc | 0000318686 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 605 3RD ST SE, MILACA, MN 56353-1310 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000A405359 |
|---|---|
| Date | Mar 20, 2018 |
| Instrument | A405359 |
| Name | STEARNS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Jan 4, 2021 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Mar 7, 2023 |
| Property Address | 605 3RD ST SE, MILACA, MN 56353-1310 |
| Document Number | 000A435403 |
| Instrument Date | Mar 3, 2023 |
| Instrument | A435403 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $544.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 605 3RD ST SE, MILACA, MN 56353-1310 |
| Document Number | 000A435404 |
|---|---|
| Date | Mar 7, 2023 |
| Instrument | A435404 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Feb 4, 2020 |
| Property Address | 605 3RD ST SE, MILACA, MN 56353-1310 |
| Document Number | 000A415681 |
| Instrument Date | Jan 27, 2020 |
| Instrument | A415681 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | LAWYER TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 605 3RD ST SE, MILACA, MN 56353-1310 |
| Document Number | 000A415682 |
|---|---|
| Date | Feb 4, 2020 |
| Instrument | A415682 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Rate Type | Fixed Rate |
|---|
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 | $1,390.00 (+13.01%) | $135,300 (+2.81%) Land $36,000 Building $99,300 | $135,300 (+2.81%) Land $36,000 Building $99,300 |
| 2025 | $1,230.00 (-1.44%) Homeowner's exemption | $131,600 (+16.67%) Land $32,000 Building $99,600 | $131,600 (+16.67%) Land $32,000 Building $99,600 |
| 2023 | $1,248.00 | $112,800 Land $28,000 Building $84,800 | $112,800 Land $28,000 Building $84,800 |
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 254 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 · Fiber in parts of the area | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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