Mille Lacs County property record for 640 Central Ave N, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 693 sqft · built 1957 |
| Lot Size | 0.175 acres (7,660 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $123,000 (Aug 2016) |
| Tax Bill | $1,902 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-360-0130 |
| Primary APN | 21-360-0130 |
|---|
| Building Area | 693 sqft Living Area |
|---|
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Lot Area | 7,660 sqft (0.175 acres) |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Shed | 1 Shed |
| Shed Area | 640 sqft |
| Street Address | 640 CENTRAL AVE N |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 1/2 OF LOTS 1, 2 & 3 BLK 3 |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 25 |
| Legal Subdivision | HIGHLAND PARK ADDITION TO MILACA |
| Legal Block | 3 |
| Legal Lot Number | 1-3 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 170500 |
Source: Mille Lacs County records, as of July 20, 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 | 640 CENTRAL AVE N, MILACA, MN 56353-1744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2016 · Amount on Record |
| Deed Sale | Aug 2, 2016 · Amount on Record |
| Deed Document Number | 2016396233 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 640 CENTRAL AVE N, MILACA, MN 56353-1744 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | TOWNSGATE CLOSING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 640 CENTRAL AVE N, MILACA, MN 56353-1744 |
| Document Number | 000A450503 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | A450503 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2046 |
Source: Mille Lacs County assessment roll, as of September 5, 2025
| 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 | $1,902.00 (+11.49%) | ||
| 2025 | $1,706.00 (+0.12%) Homeowner's exemption | $166,100 (+16.73%) Land $32,000 Building $134,100 | $166,100 (+16.73%) Land $32,000 Building $134,100 |
| 2023 | $1,704.00 | $142,300 Land $28,000 Building $114,300 | $142,300 Land $28,000 Building $114,300 |
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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