8970 120th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 8970 120th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,010 sqft · built 2004
Lot Size	5.03 acres (219,107 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jul 2023)
Tax Bill	$2,736 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-004-1106`

Property Details

APN / Parcel Number

Primary APN	`01-004-1106`

Interior

Building Area	1,010 sqft Total Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	219,107 sqft (5.03 acres)
Garage Type	Mixed
Garage Area	2,480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	160 sqft

Location & Zoning

Street Address	8970 120TH ST
City	MILACA
State	MN
Zip	56353-4288
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 376 FT OF S 579.5 FT OF SW OF SW, SEE 10/23/00 SKETCH 4 37 26 5.03
Legal Range	26
Legal Township	37
Legal Section	04
Jurisdiction	MILLE LACS MN
Township / Civil Division	BOGUS BROOK
Census Block Group	2
Census Block	2011
Census Tract	170400

Owner

Source: Mille Lacs County records, as of September 9, 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	8970 120TH ST, MILACA, MN 56353-4288
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK
Nov 19, 2007	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 3, 2023	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2023 · Amount on Record
Deed Sale	Jul 3, 2023 · Amount on Record
Prior Sale	Jan 26, 2010 · Amount on Record
Deed Document Number	2023436868
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Recording Date	Aug 27, 2026
Property Address	8970 120TH ST, MILACA, MN 56353-4288
Document Number	0000452674
Instrument Date	Aug 21, 2026
Instrument	2026452674
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000452674,
Date	Aug 27, 2026
Instrument	2026452674

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	8970 120TH ST, MILACA, MN 56353-4288
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A412226
Date	Jul 16, 2019
Instrument	A412226

Lender

Name	BREMER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2049

Interest

Rate Type	Adjustable Rate

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	8970 120TH ST, MILACA, MN 56353-4288
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000345957
Date	Nov 19, 2007
Instrument	345957

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	FISHERS, IN 46037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2037

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 3, 2023
Property Address	8970 120TH ST, MILACA, MN 56353-4288
Document Number	000A436868
Instrument Date	Jun 21, 2023
Instrument	A436868
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8970 120TH ST, MILACA, MN 56353-4288

Mortgage

Document Number	000A436869
Date	Jul 3, 2023
Instrument	A436869

Lender

Name	LUMINATE HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
County Subdivision	Bogus Brook Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,736.00 (-2.43%)	$351,300 (+29.39%) Land $107,400 Building $243,900	$351,300 (+29.39%) Land $107,400 Building $243,900
2025	$2,804.00 (+0.72%) Homeowner's exemption	$271,500 (-1.67%) Land $70,300 Building $201,200	$271,500 (-1.67%) Land $70,300 Building $201,200
2023	$2,784.00 (+11.18%)	$276,100 (+6.52%) Land $50,100 Building $226,000	$276,100 (+6.52%) Land $50,100 Building $226,000
2022	$2,504.00	$259,200 Land $49,400 Building $209,800	$259,200 Land $49,400 Building $209,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	5 in force
Nearby Flood Claims	1 (2001)
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Frontier DSL	70 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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