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8828 130th St, Milaca, MN, 56353

3beds
2baths
1,100sqft
$275,000
$250price/sqft
$2,004/moest. monthly cost
$80,160/yrincome needed

About This Home

Easy country living on 6.25 acres. This home is minutes away from Milaca. One owner home, well maintained and ready to move in! Vaulted ceilings are open to the kitchen and casual dining, ample cabinetry and additional pantry closet for storage. Fresh paint and new LVP in much of the home. Primary bedroom has a separate shower and soaking tub.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Milaca Elementary SchoolGrades PK-63.2 mi
7/10

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Age 8 Years or Less,Asphalt,Pitched

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Main Level

Basement

  • Basement: None

Bedroom

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

Bedroom2

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Bedroom3

  • Level: Main
  • Area: 108
  • Dimensions: 9x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Deck

  • Level: Main
  • Area: 64
  • Dimensions: 8x8

Dining Room

  • Level: Main
  • Area: 104
  • Dimensions: 8x13

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,100

Heating & Cooling

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

Interior Area

  • Total structure area: 1,100
  • Total interior livable area: 1,100 sqft

Kitchen

  • Level: Main
  • Area: 104
  • Dimensions: 8x13

Living Room

  • Level: Main
  • Area: 195
  • Dimensions: 13x15

Property

Accessibility

  • Accessibility features: No Stairs External

Details

  • Parcel number: 020331103
  • Zoning description: Residential-Single Family
  • Other equipment: Fuel Tank - Rented
  • Foundation area: 1100

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 6.25 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 331 x 826 x 331 x 826

Parking

  • Parking features: Gravel

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 $1,390$16,680
Home Insurance *$209$2,508
Property Taxes $235$2,820
Electricity $170$2,050
Total$2,004$24,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,708/yr
40% on housing$60,120/yr
45% on housing$53,440/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

$250This listing

vs Other Active Listings

Avg $/sqft

ZIP 56353$162
Mille Lacs County$137

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
2026-08-04Price change$270,000
2026-07-13Listed for sale$275,000
2011-06-05Listing removed$80,000
2011-04-08Price change$80,000
2011-02-25Listed for sale$75,000

For Sale by Agent

AgentDale E Pampuch
BrokerageCounselor Realty, Inc

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