Mille Lacs County property record for 660 Central Ave S, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 632 sqft · built 1921 |
| Lot Size | 0.346 acres (15,095 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Jun 2026) |
| Tax Bill | $1,918 (2026) |
| Deeds & Mortgages | May 2018 Mortgage Jun 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-560-0030 |
| Primary APN | 21-560-0030 |
|---|
| Building Area | 632 sqft Living Area |
|---|---|
| Gross Area | 696 sqft |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Lot Area | 15,095 sqft (0.346 acres) |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Deck Area | 170 sqft |
| Street Address | 660 CENTRAL AVE S |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLK A & S 1/2 OF LOT 4 BLK A |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 36 |
| Legal Subdivision | MAGNUSON'S ADDITION |
| Legal Block | A |
| Legal Lot Number | 3-4 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 3 |
| Census Block | 3035 |
| 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 | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK MILACA |
| Jun 3, 2026 | Deed, Transfer · Conventional Mortgage BANK OF ELK RIVER |
| Jul 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK MILACA |
| Aug 29, 2006 | Warranty Deed, Transfer · ARM NOVASTAR MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2026 · Amount on Record |
| Deed Sale | Jun 3, 2026 · Amount on Record |
| Prior Sale | Jul 8, 2020 · Amount on Record |
| Deed Document Number | 2026451441 |
| Prior Transfer Date | Jul 22, 2025 |
| Prior Transfer Doc | 000A447246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000A406173 |
|---|---|
| Date | May 16, 2018 |
| Instrument | A406173 |
| Name | FIRST NATIONAL BANK MILACA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 1, 2023 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jun 3, 2026 |
| Property Address | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | 0000451441 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 2026451441 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Title Company | HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $61,660.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | 0000451443, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 2026451443 |
| Name | BANK OF ELK RIVER |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jul 8, 2020 |
| Property Address | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | A418030 |
| Instrument Date | Jun 17, 2020 |
| Instrument | A418030 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.67 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | A418031 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | A418031 |
| Name | GUARANTEED RATE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2018 |
| Name | Verified Name |
|---|
| Document Number | A406173 |
|---|---|
| Date | May 16, 2018 |
| Instrument | A406173 |
| Name | FIRST NATIONAL BANK MILACA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 1, 2023 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Aug 29, 2006 |
| Property Address | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | 335211 |
| Instrument Date | Aug 4, 2006 |
| Instrument | 335211 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | FATCO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $313.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 660 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | 335212 |
|---|---|
| Date | Aug 29, 2006 |
| Instrument | 335212 |
| Name | NOVASTAR MORTGAGE INC |
|---|---|
| Type | Subprime Lender |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2036 |
| Prepayment Penalty | 24 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.3% |
| Type Change Date | Sep 1, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 9.3% |
| Max Rate At Change | 12.3% |
| Index | 6-Month LIBOR |
| Max Rate | 16.3% |
| Document Number | 0000335213 |
|---|---|
| Date | Aug 29, 2006 |
| Instrument | 335213 |
| Name | NOVASTAR MORTGAGE INC |
|---|---|
| Type | Subprime Lender |
| Address | LAKE FOREST, CA 92630 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2021 |
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 | $1,918.00 (+12.03%) | $174,000 (+4%) Land $36,000 Building $138,000 | $174,000 (+4%) Land $36,000 Building $138,000 |
| 2025 | $1,712.00 (+1.9%) Homeowner's exemption | $167,300 (+17.98%) Land $32,000 Building $135,300 | $167,300 (+17.98%) Land $32,000 Building $135,300 |
| 2023 | $1,680.00 | $141,800 Land $28,000 Building $113,800 | $141,800 Land $28,000 Building $113,800 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
|
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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