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22761 105th Ave, Milaca, MN, 56353

3beds
3baths
3,024sqft
$639,900
$212price/sqft
$4,512/moest. monthly cost
$180,480/yrincome needed

About This Home

Private 63-Acre Retreat with Home, Trails & Heated Shop Escape to your own 63-acre wooded retreat, where comfort meets outdoor adventure. This energy-efficient ranch-style home is surrounded by established hiking and ATV trails, offering year-round recreation right out your door. 3 Bedrooms | 3 Bathrooms | 3-Car Attached Garage Step inside to an open-concept main level featuring a spacious foyer with an open stairway to the lower level. Vaulted ceilings, natural cedar post accents, and a striking flagstone wall create a warm, inviting living and dining space. The kitchen includes a rare built-in JennAir indoor grill with a brick surround—perfect for year-round entertaining. The owner’s suite offers a private retreat with a walk-in closet and full bath. A large mudroom/office connects directly to the attached garage, adding everyday convenience. The fully finished lower level expands your living space with a generous family room centered around a stone hearth fireplace, a 3-stool wet bar, two additional bedrooms, a full bath, and a laundry/mechanical room with direct garage access. A storm shelter/canning cellar adds extra functionality and peace of mind. Enjoy the outdoors from both levels—a walkout basement leads to a west-facing 17' x 24' patio, while the main level features a 6' x 22' south-facing covered porch, perfect for morning coffee or evening relaxation. Outbuildings: 40' x 80' heated shop with LP in-floor heat, 200-amp service, two 10' x 12' overhead doors, and 13' finished ceilings 28' x 40' rustic machine shed with lean-to storage for equipment, recreational vehicles, or firewood Location Highlights: Experience true privacy without sacrificing accessibility—just ¾ mile from U.S. Hwy 169, 7 miles north of Milaca, and under 20 minutes to Lake Mille Lacs and the Rum River. Outdoor enthusiasts will love being just 1/2 mile from nearly 70,000 acres of public land, including the Mille Lacs Wildlife Management Area and Rum River State Forest—offering endless opportunities for hiking, hunting, snowmobiling, and more. Whether you’re looking for a private homestead, hunting basecamp, or peaceful escape in the woods, this property delivers. Schedule your private showing today—properties like this are rare.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
Milaca Elementary SchoolGrades PK-68.6 mi
7/10

Construction

Condition

  • Year built: 1977

Materials

  • Roof: Age Over 8 Years

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Exhaust Fan,Indoor Grill,Microwave,Range,Refrigerator,Washer,Water Softener Owned
  • Laundry features: In Basement,Electric Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Drain Tiled,Egress Window(s),Finished,Full,Storage Space,Sump Basket,Walk-Out Access

Bathroom

  • Level: Main
  • Area: 25
  • Dimensions: 5x5

Bathroom

  • Level: Main
  • Area: 40
  • Dimensions: 5x8

Bathroom

  • Level: Basement
  • Area: 55
  • Dimensions: 5x11

Bedroom

  • Level: Main
  • Area: 170.5
  • Dimensions: 11x15.5

Bedroom2

  • Level: Basement
  • Area: 132
  • Dimensions: 11x12

Bedroom3

  • Level: Basement
  • Area: 133
  • Dimensions: 9.5x14

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 231
  • Dimensions: 14x16.5

Family Room

  • Level: Basement
  • Area: 468
  • Dimensions: 18x26

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Stone,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,225
  • Finished area above ground: 1,512

Foyer

  • Level: Main
  • Area: 157.5
  • Dimensions: 9x17.5

Heating & Cooling

  • Heating features: Baseboard,Dual Fuel/Off Peak,Geothermal,Heat Pump
  • Cooling features: Central Air

Informal Dining Room

  • Level: Main
  • Area: 66
  • Dimensions: 6x11

Interior Area

  • Total structure area: 3,024
  • Total interior livable area: 3,024 sqft

Kitchen

  • Level: Main
  • Area: 210
  • Dimensions: 12x17.5

Laundry

  • Level: Main
  • Area: 130
  • Dimensions: 10x13

Living Room

  • Level: Main
  • Area: 221
  • Dimensions: 13x17

Other

  • Level: Basement
  • Area: 35
  • Dimensions: 5x7

Other

  • Level: Basement
  • Area: 90
  • Dimensions: 5x18

Patio

  • Level: Main
  • Area: 391
  • Dimensions: 17x23

Porch

  • Level: Main
  • Area: 132
  • Dimensions: 6x22

Utility Room

  • Level: Basement
  • Area: 312
  • Dimensions: 13x24

Walk In Closet

  • Level: Main
  • Area: 66
  • Dimensions: 5.5x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 070180404
  • Zoning description: Residential-Single Family
  • Foundation area: 1512

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Patio
  • Waterfront features: Creek/Stream

Lot

  • Lot size: 63.06 Acres
  • Features: Corner Lot,Tree Coverage - Heavy
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 7
  • Parking features: Attached,Detached Garage,Gravel,Electric,Floor Drain,Garage,Garage Door Opener,Heated Garage,Insulated Garage,Multiple Garages
  • Has garage: Yes
  • Attached garage spaces: 7
  • Covered spaces: 7
  • Has uncovered spaces: Yes

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
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Wildfire
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 $3,235$38,820
Home Insurance *$486$5,832
Property Taxes $536$6,432
Electricity $255$3,060
Total$4,512$54,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,697/yr
40% on housing$135,360/yr
45% on housing$120,320/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

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 56353$153
Mille Lacs County$135

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
2026-04-17Listed for sale$669,900
2025-11-11Listing removed$699,800
2025-11-02Price change$699,800
2025-09-16Price change$699,890
2025-06-30Listed for sale$699,900

For Sale by Agent

AgentPaul J. Jackson
BrokerageHewitt Jackson Real Estate

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