Mille Lacs County property record for 680 Central Ave S, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,544 sqft · built 1925 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Nov 2021) |
| Tax Bill | $2,178 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage Jan 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-560-0010 |
| Primary APN | 21-560-0010 |
|---|
| Building Area | 1,544 sqft Living Area |
|---|---|
| Gross Area | 704 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Area | 192 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Deck Area | 56 sqft |
| Street Address | 680 CENTRAL AVE S |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK A |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 36 |
| Legal Subdivision | MAGNUSON'S ADDITION |
| Legal Block | A |
| Legal Lot Number | 1 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 170500 |
Source: Mille Lacs County assessment roll, as of September 5, 2025
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 | 324 WALNUT ST, TAYLORS FALLS, MN 55084-1139 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU |
| Jan 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU |
| Jan 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK MILACA |
| Apr 14, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Nov 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSS COUNTRY MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 9, 2021 · Amount on Record |
| Deed Sale | Nov 9, 2021 · Amount on Record |
| Prior Sale | May 15, 2014 · Amount on Record |
| Deed Document Number | 2021428006 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 680 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000A405480 |
|---|---|
| Date | Mar 28, 2018 |
| Instrument | A405480 |
| Name | SPIRE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 15, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 680 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000A404314 |
|---|---|
| Date | Jan 4, 2018 |
| Instrument | A404314 |
| Name | SPIRE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 15, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 680 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000A422024 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | A422024 |
| Name | FIRST NATIONAL BANK MILACA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 1, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Apr 14, 2026 |
| Property Address | 680 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | 0000450777 |
| Instrument Date | Feb 27, 2026 |
| Instrument | 2026.450777 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | VELOCITY TITLE, VELORA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $164.63 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 324 WALNUT ST, TAYLORS FALLS, MN 55084-1139 |
| Document Number | 0000450777, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 2026.450777 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Nov 9, 2021 |
| Property Address | 680 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | A428006 |
| Instrument Date | Oct 29, 2021 |
| Instrument | A428006 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $594.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 680 CENTRAL AVE S, MILACA, MN 56353-1133 |
| Document Number | 000A428007 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | A428007 |
| Name | CROSS COUNTRY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|
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 | $2,178.00 (+10.67%) | ||
| 2025 | $1,968.00 (+0.41%) | $184,800 (+16.45%) Land $32,000 Building $152,800 | $184,800 (+16.45%) Land $32,000 Building $152,800 |
| 2023 | $1,960.00 | $158,700 Land $28,000 Building $130,700 | $158,700 Land $28,000 Building $130,700 |
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 100 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 |
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) |
|---|---|
| East Central Energy Fiber | 2,000 / 2,000 |
| Midcontinent Communications Cable · Fiber in parts of the area | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| Benton Cooperative Telephone Company Cable | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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