Mille Lacs County property record for 695 2nd Ave SE, Milaca, MN 56353
| Property Type | Single Family Home |
|---|---|
| Details | 1,950 sqft · built 1948 |
| Lot Size | 0.396 acres (17,264 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Feb 2020) |
| Tax Bill | $3,238 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-800-0010 |
| Primary APN | 21-800-0010 |
|---|
| Building Area | 1,950 sqft Living Area |
|---|---|
| Basement Area | 1,462 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 17,264 sqft (0.396 acres) |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 695 2ND AVE SE |
|---|---|
| City | MILACA |
| State | MN |
| Zip | 56353-1220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | & LOTS 2 & 3 BLK 1 |
| Legal Range | 27 |
| Legal Township | 38 |
| Legal Section | 36 |
| Legal Subdivision | SWANSONS ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | MILACA |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 170500 |
695 2nd Ave SE is owned and occupied by two individuals who bought it in February 2020.
Source: Mille Lacs County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 695 2ND AVE SE, MILACA, MN 56353-1220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK |
| Feb 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2020 · Amount on File |
| Deed Sale | Feb 3, 2020 · Amount on File |
| Deed Document Number | 2020415655 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 695 2ND AVE SE, MILACA, MN 56353-1220 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | TITLESMART INC |
| Name | Verified Name |
|---|
| Document Number | 000A415658 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | A415658 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 132 Months |
| Due | Jan 1, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Feb 3, 2020 |
| Property Address | 695 2ND AVE SE, MILACA, MN 56353-1220 |
| Document Number | A415655 |
| Instrument Date | Dec 27, 2019 |
| Instrument | A415655 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | TITLESMART INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 695 2ND AVE SE, MILACA, MN 56353-1220 |
| Document Number | 000A415656 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | A415656 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 695 2nd Ave SE was $3,238.
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 | $3,238.00 | $266,300 (+3.86%) Land $36,000 Building $230,300 | $266,300 (+3.86%) Land $36,000 Building $230,300 |
| 2025 | $256,400 Land $32,000 Building $224,400 | $256,400 Land $32,000 Building $224,400 | |
| 2023 | $2,802.00 | $214,000 Land $28,000 Building $186,000 | $214,000 Land $28,000 Building $186,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 695 2nd Ave SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 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.
Wildfire risk around 695 2nd Ave SE is low, with a 0.03% annual chance of wildfire.
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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