Mille Lacs County property record for 645 2nd Ave SE, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 625 sqft · built 1920 |
| Lot Size | 0.218 acres (9,519 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $816 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-800-0050 |
| Primary APN | 21-800-0050 |
|---|
| Building Area | 625 sqft Total Area |
|---|
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 9,519 sqft (0.218 acres) |
| Porch | Slab |
| Street Address | 645 2ND AVE SE |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 36 |
| Legal Subdivision | SWANSONS ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 170500 |
Source: Mille Lacs County records, as of September 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 2ND AVE SE, MILACA, MN 56353-1220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Sep 12, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Dec 13, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Nov 2, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2010 |
| Deed Sale | Sep 7, 2010 |
| Prior Sale | Jun 30, 2009 · Amount on File |
| Deed Document Number | 2010363631 |
| Last Transfer Date | Apr 23, 2025 |
| Transfer Doc | 000A447880 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 645 2ND AVE SE, MILACA, MN 56353-1220 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000A449120 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | A449120 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Oct 21, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Sep 12, 2025 |
| Property Address | 645 2ND AVE SE, MILACA, MN 56353-1220 |
| Document Number | 000A447880 |
| Instrument Date | Apr 23, 2025 |
| Instrument | A447880 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 645 2ND AVE SE, MILACA, MN 56353-1220 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Dec 13, 2022 |
| Property Address | 645 2ND AVE SE, MILACA, MN 56353-1220 |
| Document Number | 000A434338 |
| Instrument Date | Dec 12, 2022 |
| Instrument | A434338 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 645 2ND AVE SW, MILACA, MN 56353-1114 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Nov 2, 2017 |
| Property Address | 645 2ND AVE SE, MILACA, MN 56353-1220 |
| Document Number | A403358 |
| Instrument Date | Oct 25, 2017 |
| Instrument | A403358 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 645 2ND AVE SE, MILACA, MN 56353-1220 |
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 | $816.00 (+10.87%) | $97,700 (+6.89%) Land $36,000 Building $61,700 | $97,700 (+6.89%) Land $36,000 Building $61,700 |
| 2025 | $736.00 (-22.03%) Homeowner's exemption | $91,400 (-7.3%) Land $32,000 Building $59,400 | $91,400 (-7.3%) Land $32,000 Building $59,400 |
| 2023 | $944.00 | $98,600 Land $28,000 Building $70,600 | $98,600 Land $28,000 Building $70,600 |
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 66% of the US · above 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.03% 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) |
|---|---|
| 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 | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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