Mille Lacs County property record for 655 2nd Ave NW, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,294 sqft · built 1919 |
| Lot Size | 0.261 acres (11,398 sqft) |
| Owner | Individual Name on File |
| Last Sale | $216,000 (Jan 2026) |
| Tax Bill | $2,720 (2026) |
| Deeds & Mortgages | Jan 2019 Mortgage Apr 2006 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-360-0160 |
| Primary APN | 21-360-0160 |
|---|
| Building Area | 1,294 sqft Living Area |
|---|---|
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Lot Area | 11,398 sqft (0.261 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Street Address | 655 2ND AVE NW |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | & LOT 9 BLK 3 EX E 8 FT OF LOT 9 |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 25 |
| Legal Subdivision | HIGHLAND PARK ADDITION TO MILACA |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 170500 |
Source: Mille Lacs County records · APN 21-360-0160
Assessment roll updated September 5, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK MILACA |
| Apr 20, 2006 | Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE & FINANCIAL LLC |
| Jan 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK |
| Oct 12, 2022 | Warranty Deed, Transfer · FHA Mortgage PLANET HOME LENDING LLC |
| Oct 24, 2019 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 30, 2026 · Amount on Record |
| Deed Sale | Jan 30, 2026 · Amount on Record |
| Prior Sale | Oct 12, 2022 · Amount on Record |
| Deed Document Number | 2026449927 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Title Company | WHEATLAND TITLE, HEARTLAND TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000A410162 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | A410162 |
| Name | FIRST NATIONAL BANK MILACA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 72 Months |
| Due | Apr 01, 2024 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Title Company | RHS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000331545 |
|---|---|
| Date | Apr 20, 2006 |
| Instrument | 331545 |
| Name | RIVER CITY MORTGAGE & FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT PAUL, MN 55122 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jan 30, 2026 |
| Property Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Document Number | 000A449927 |
| Instrument Date | Jan 23, 2026 |
| Instrument | A449927 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | LENDSERV TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $712.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Document Number | 000A449928 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | A449928 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Number | 000A449929 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | A449929 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Oct 12, 2022 |
| Property Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Document Number | 000A433447 |
| Instrument Date | Sep 22, 2022 |
| Instrument | A433447 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | SHERBURNE COUNTY ABSTRACT & |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $544.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Document Number | 000A433448 |
|---|---|
| Date | Oct 12, 2022 |
| Instrument | A433448 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Oct 24, 2019 |
| Property Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Document Number | 000A413933 |
| Instrument Date | Oct 04, 2019 |
| Instrument | A413933 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | SHERBURNE COUNTY ABSTRACT, SHERBURNE COUNTY ABSTRACT & |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $306.90 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 655 2ND AVE NW, MILACA, MN 56353-1701 |
| Document Number | 000A413934 |
|---|---|
| Date | Oct 24, 2019 |
| Instrument | A413934 |
| Name | MOVEMENT MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| Municipality | Milaca City |
| Unified School District | Milaca Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,720.00 (+7%) | ||
| 2025 | $2,542.00 (+11.3%) | $197,500 (+15.77%) Land $32,000 Building $165,500 | $197,500 (+15.77%) Land $32,000 Building $165,500 |
| 2023 | $2,284.00 | $170,600 Land $28,000 Building $142,600 | $170,600 Land $28,000 Building $142,600 |
Source: FEMA National Flood Hazard Layer as of March 4, 2013 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| Benton Cooperative Telephone Company Cable · Fiber in parts of the area | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 155 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Milaca serves 3,043 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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