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355 4th Ave NW, Milaca, MN, 56353

4beds
2baths
1,922sqft
$299,900
$156price/sqft
$2,217/moest. monthly cost
$88,680/yrincome needed

About This Home

Welcome home to this beautifully updated 4-bedroom, 2-bathroom three-level split in Milaca! This move-in-ready home features fresh paint throughout, brand-new flooring, newer roof, updated lighting and plumbing fixtures, and a stylish kitchen complete with new stainless steel appliances. The functional multi-level layout offers spacious living areas, generously sized bedrooms, and plenty of room to spread out. Enjoy the bright kitchen with abundant cabinet space, updated finishes, and an adjoining dining area perfect for everyday living or entertaining. Outside, you'll find a great yard with space to relax, play, or garden. Conveniently located near schools, parks, and local amenities, this home combines modern updates with small-town charm. Don't miss your opportunity to own this beautifully refreshed home—schedule your showing today!

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

5/10
Milaca Elementary SchoolGrades PK-60.4 mi
7/10

Construction

Condition

  • Year built: 1976

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom

  • Level: Upper
  • Area: 169
  • Dimensions: 13x13

Bedroom2

  • Level: Upper
  • Area: 140
  • Dimensions: 14x10

Bedroom3

  • Level: Upper
  • Area: 90
  • Dimensions: 10x9

Bedroom4

  • Level: Lower
  • Area: 80
  • Dimensions: 10x8

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 130
  • Dimensions: 13x10

Family Room

  • Level: Lower
  • Area: 204
  • Dimensions: 17x12

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 624
  • Finished area above ground: 1,298

Heating & Cooling

  • Heating features: Baseboard,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,922
  • Total interior livable area: 1,922 sqft

Kitchen

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Living Room

  • Level: Main
  • Area: 240
  • Dimensions: 20x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 210410680
  • Zoning description: Residential-Single Family
  • Foundation area: 1274

Features

  • Levels: Three Level Split

Lot

  • Lot size: 0.27 Acres
  • Lot size dimensions: 80 x 148

Parking

  • Total spaces: 2
  • Parking features: Tuckunder Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Hail
Inland Flooding
Tornado
Winter Weather

FEMA Declared Disasters in Mille Lacs County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,516$18,192
Home Insurance *$228$2,736
Property Taxes $303$3,636
Electricity $170$2,050
Total$2,217$26,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,011/yr
40% on housing$66,510/yr
45% on housing$59,120/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$156This listing

vs Other Active Listings

Avg $/sqft

ZIP 56353$160
Mille Lacs County$136

vs Homes Sold Last Month

Median $/sqft

ZIP 56353$175
Mille Lacs County$189

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$299,900
2026-07-31Listed for sale$299,900
2026-05-27Sold$174,000
2025-02-03Listing removed--
2025-02-01Listed for sale$245,000
2023-11-17Sold$219,000
2023-10-19Pending sale$219,000
2023-10-11Listed for sale$219,000
2023-09-13Pending sale$219,000
2023-09-01Listed for sale$219,000
2023-01-01Listing removed--
2022-10-03Listed for sale$250,000
2021-03-04Listing removed--
2017-09-01Listing removed$110,000
2017-05-30Listed for sale$110,000
2009-07-17Sold$70,875
2008-02-21Sold$114,750

For Sale by Agent

AgentKelly L Sowada
Brokerage10K Realty

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