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9284 95th Ave, Milaca, MN, 56353

2beds
1baths
1,539sqft
$299,900
$195price/sqft
$2,124/moest. monthly cost
$84,960/yrincome needed

About This Home

Your own homestead on 10 beautiful acres! Raise crops or livestock! 38 additional acres are available! This home has newer furnace, water heater, central air, windows, roof and well!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Milaca Elementary SchoolGrades PK-65.6 mi
7/10

Construction

Condition

  • Year built: 1955

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Basement: Crawl Space

Bedroom

  • Level: Main
  • Area: 142.5
  • Dimensions: 9.5x15

Bedroom2

  • Level: Main
  • Area: 90.25
  • Dimensions: 9.5x 9.5

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,102

Heating & Cooling

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

Interior Area

  • Total structure area: 1,539
  • Total interior livable area: 1,539 sqft

Kitchen

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Laundry

  • Level: Main
  • Area: 45.5
  • Dimensions: 6.5x7

Living Room

  • Level: Main
  • Area: 230
  • Dimensions: 23x10

Loft

  • Level: Upper
  • Area: 437.5
  • Dimensions: 12.5 x 35

Mud Room

  • Level: Main
  • Area: 104
  • Dimensions: 6.5x16

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 010200600
  • Zoning description: Agriculture
  • Foundation area: 946

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 10.13 Acres
  • Lot size dimensions: 653.85 x 675.06

Parking

  • Total spaces: 2
  • Parking features: Detached 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
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Hail
Inland Flooding
Lightning
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 $210$2,520
Electricity $170$2,050
Total$2,124$25,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,822/yr
40% on housing$63,720/yr
45% on housing$56,640/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

$195This 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)

Price History

DateEventPrice
2026-04-20Price change$299,900
2026-04-18Price change$525,000
2026-03-17Listed for sale$550,000
2022-12-20Sold$270,000

For Sale by Agent

AgentLeanne Smith
BrokerageHome Star Real Estate

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