9151 State Hwy 23, Milaca, MN 56353 Property Records

Mille Lacs County property record for 9151 State Hwy 23, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,316 sqft · built 1989
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Dec 2025)
Tax Bill	$3,048 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-020-1200`

Property Details

APN / Parcel Number

Primary APN	`02-020-1200`

Interior

Building Area	1,316 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	217,800 sqft (5 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Location & Zoning

Street Address	9151 STATE HIGHWAY 23
City	MILACA
State	MN
Zip	56353-3868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF NE OF SE, COM AT W LINE ON R/W OF HY 23, NE'LY ALONG HY R/W 532 FT TO PT OF BEG, S 380 FT, E 448 FT, N 595 FT
Legal Range	26
Legal Township	38
Legal Section	20
Jurisdiction	MILLE LACS MN
Township / Civil Division	BORGHOLM
Census Block Group	1
Census Block	1038
Census Tract	170400

Owner

Source: Mille Lacs County records · APN 02-020-1200

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	9151 STATE HIGHWAY 23, MILACA, MN 56353-3868
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 03, 2025 · Amount on Record
Deed Sale	Dec 03, 2025 · Amount on Record
Prior Sale	Aug 25, 2015 · Amount on Record
Deed Document Number	2025449047
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Dec 03, 2025
Property Address	9151 STATE HIGHWAY 23, MILACA, MN 56353-3868
Document Number	000A449047
Instrument Date	Nov 21, 2025
Instrument	A449047
Transaction Type	Transfer
Record Updated	Dec 16, 2025
Title Company	LENDSERV TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9151 STATE HIGHWAY 23, MILACA, MN 56353-3868

Mortgage

Document Number	000A449048
Date	Dec 03, 2025
Instrument	A449048

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2055

Mortgage

Document Number	000A449049
Date	Dec 03, 2025
Instrument	A449049

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 01, 2035

Tax Assessment & Valuation

Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$3,048.00 (-12.26%)
2025	$3,474.00 (+1.11%)	$259,700 (-5.15%) Land $84,000 Building $175,700	$259,700 (-5.15%) Land $84,000 Building $175,700
2023	$3,436.00	$273,800 Land $58,000 Building $215,800	$273,800 Land $58,000 Building $215,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mille Lacs County (27095C), as of March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270951704001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Benton Cooperative Telephone Company Fiber	250 / 250
LTD Broadband Fixed Wireless	150 / 130

Based on FCC filings for 3 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on State Hwy 23

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