Listed at
$249,900
$119/sqft

Third Addition To Milaca

540 3rd Street, Milaca, MN, 56353
4  Bedrooms2  Bathrooms2,101  Square Feet0.368  Acres
Days on market34
Year built1955
Garage spaces2
TypeResidential
Est. $4,497buyer credit when you buy with SODL
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About this home

Welcome to a classic 1955 rambler that effortlessly blends mid-century charm with functional, spacious living. Nestled in a quiet, established Milaca neighborhood, this 4-bedroom, 2-bathroom single-family home boasts 2,090 square feet of inviting interior space, striking built-ins, and dual fireplaces perfect for cold Minnesota winters. As you step inside this move-in-ready gem, you immediately notice the craftsmanship of a bygone era. The main floor welcomes you with stunning hardwood floors and an intuitive layout. The central living area anchors the home with a cozy fireplace, while built-in cabinetry provides character you simply cannot find in modern construction. The layout shines even brighter as you venture downstairs. The fully finished lower level functions as a secondary living suite or the ultimate entertainment hub, featuring a functional kitchenette, an expansive family room with its own fireplace, and a private office space ideal for remote work. Outside, the property features a beautifully landscaped yard. Step out onto the private deck to sip your morning coffee or entertain friends in the evening. Located just minutes from schools, parks, and local dining, this home offers small-town peace with city conveniences.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1955
LevelsOne
Living area2,101 sqft
Above-grade finished1,196 sqft
Below-grade finished905 sqft
Lot size0.368 acres (81 x 198)
Days on market34
ListedJul 14, 2026
MLS #NST7108545
CountyMille Lacs
SubdivisionThird Addition To Milaca
Parcel #210430420

Facts & features

Interior

Bedrooms
4
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air, Heat Pump
Cooling
Central Air
Appliances
Cooktop, Dishwasher, Dryer, Microwave, Refrigerator, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
2 spaces · 20 x 24 · 480 sqft
Parking features
Detached Garage, Gravel, Asphalt, Electric, Garage Door Opener
Patio & porch
Deck
Exterior features
Shakes
Other structures
Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 1,196 sqft
Roof
Asphalt, Pitched
Year built
1955

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Electric, Oil
Electric
Circuit Breakers

Community & HOA

Subdivision
Third Addition To Milaca
HOA
No HOA
School district
912 - Milaca
High school district
Milaca

Financial & listing details

Annual tax
$3,049 (2026)
Tax with assessments
3064
Listed
Jul 14, 2026
Days on market
34 · 12 cumulative
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Drain Tiled, Egress Window(s), Full, Partially Finished, Sump Basket, Sump Pump
HeatingForced Air, Heat Pump
CoolingCentral Air
Fireplaces2
LaundryIn Basement, Electric Dryer Hookup, Sink, Washer Hookup
AppliancesCooktop, Dishwasher, Dryer, Microwave, Refrigerator, Wall Oven, Washer, Water Softener Owned
DiningInformal Dining Room, Living/Dining Room
AccessibilityNone
Special features3 BR on One Level

Exterior & lot

ExteriorShakes
RoofAsphalt, Pitched
FoundationBlock
Foundation area1,196 sqft
Patio/porchDeck
Lot featuresTree Coverage - Medium
Road frontageCity Street, Curbs, Paved Streets, Storm Sewer
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelElectric, Oil

Parking & garage

ParkingDetached Garage, Gravel, Asphalt, Electric, Garage Door Opener
Garage spaces2
Garage size480 sqft

Financial details

Annual taxes$3,049
Tax year2026
Taxes w/ assessments3064
Assessment pendingUnknown
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District912 - Milaca
District number912
District phone3209827210
High schoolMilaca
SODL flat fee brokerage
$4,497Estimated buyer credit
SODL platform fee $3,000Your buyer credit $4,497

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$1,651/mo
Principal & interest$1,313
Property taxes$254
Home insurance (est.)$83
%
$49,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

540 3rd Street, Milaca, MN, 56353

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Listing information

MLS #NST7108545
StatusClosed
Last updatedAug 24, 2026, 1:28 PM
Originally listedJul 17, 2026, 12:00 AM
Listing officeHewitt Jackson Real Estate

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.