$500,000

11370 Gem St Milaca, MN 56353

Estimated payment $2,986/month

Total Views 2,852
3 Beds
2.5 Baths
2,174 Sq Ft
$230 Price per Sq Ft

Highlights

  • 419 Feet of Waterfront
  • Wood Burning Stove
  • No HOA
  • Beach Access
  • Main Floor Primary Bedroom
  • 2 Car Attached Garage

About This Home

One of a kind home built in 2007 on 6 park like acres. Wake up to views of your own private pond that invite you to explore the river trails leading you to the tranquil Rum River waterfront. Large yard prepared for additional outbuilding to the south of the home is ready for your dream shop to be built. Perfect for those looking for the cozy feeling of being at home but also in harmony with nature. A geothermal in-floor heating system runs throughout the first level including the garage keeping your feet nice and cozy throughout the colder seasons. Main level living like no other with primary bedroom complete with spa like private bathroom, Kitchen featuring hickory cabinets and Laundry room all on your main level. The living room features a top of the line Blaze King wood stove and enormous windows to enjoy your pond view. New roof and siding just 2 years ago ensure this home is sure to keep you safe from the elements. This type of home is sure to satisfy all your wants and desires so please schedule a showing today!

Listing Agent

Robert Erickson

Robert Erickson Real Estate Listed on: 05/15/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,998

Year Built

  • Built in 2007

Lot Details

  • Lot Dimensions are 172 x 878
  • 419 Feet of Waterfront
  • River Front
  • Partially Fenced Property
  • Chain Link Fence
  • Irregular Lot
  • Few Trees

Parking

  • 2 Car Attached Garage

Home Design

  • Slab Foundation
  • Frame Construction
  • Block Exterior
  • Vinyl Siding

Interior Spaces

  • 2,174 Sq Ft Home
  • 1.5-Story Property
  • Wood Burning Stove
  • Wood Burning Fireplace
  • Free Standing Fireplace
  • Family Room with Fireplace
  • Combination Kitchen and Dining Room

Kitchen

  • Range
  • Microwave
  • Dishwasher

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Primary Bedroom on Main
  • Soaking Tub

Laundry

  • Laundry Room
  • Laundry on main level
  • Dryer
  • Washer

Outdoor Features

  • Beach Access

Utilities

  • Central Air
  • Geothermal Heating and Cooling
  • Boiler Heating System
  • 200+ Amp Service
  • Propane
  • Private Water Source
  • Drilled Well
  • Gas Water Heater
  • Septic System

Community Details

  • No Home Owners Association
  • Rum River Acres Subdivision

Listing and Financial Details

  • Assessor Parcel Number 117780040

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,998

Year Built

Built in 2007

Lot Details

5.92 Acres

Parking

2

Listing Details

  • Type: Residential
  • Property Subtype 1: Single Family
  • Cooling System: Central Air, Geothermal
  • Outside Features: Vinyl
  • Garage Spaces: 2
  • Accessibility Features: Soaking Tub
  • Fireplaces: 1
  • Water Source: Drilled, Private
  • Year Built: 2007
  • Above Grade Finished Sq Ft: 2174
  • Unit Levels: One and One Half
  • New Construction: No
  • FractionalOwnershipYN: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Basement: None
  • Appliances: Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer
  • Fireplace Features: Family Room, Free Standing, Wood Burning
  • Living Area: 2174
  • Fireplace: Yes
  • Basement YN: No

Beds/Baths

  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 3

Exterior Features

  • Roof: Age 8 Years or Less, Asphalt
  • Fencing: Chain Link, Partial
  • View: East
  • Foundation Details: Slab
  • Other Structures: Storage Shed
  • Waterfront Frontage: 419

Garage/Parking

  • Parking Features: Attached Garage

Utilities

  • Heating: Boiler, Geothermal, Wood Stove
  • Sewer: Private Sewer, Septic System Compliant - Yes
  • LaundryFeatures: Main Level
  • Electric: 200+ Amp Service
  • Fuel: Electric, Propane

Condo/Co-op/Association

  • Association: No
  • Amenities Unit: Ceiling Fan(s), Hardwood Floors, Kitchen Center Island, Main Floor Primary Bedroom, Natural Woodwork, Patio, Vaulted Ceiling(s), Walk-In Closet

Schools

  • Junior High Dist: Milaca
  • SchoolDistrictPhone: 3209827210

Lot Info

  • Waterfront YN: Yes
  • PropertyAttachedYN: No
  • Lot Size: 172 x 878
  • Land Lease: No
  • Lot Features: Accessible Shoreline, Irregular Lot, Tree Coverage - Medium, Wetlands
  • Additional Parcels: No
  • Zoning Description: Residential-Single Family
  • AssessmentPending: No
  • Yearly/Seasonal: Yearly

Building Info

  • Construction Materials: Block, Frame

Tax Info

  • Tax Year: 2025
  • Assessor Parcel Number: 117780040
  • Tax Annual Amount: 3998
  • TaxWithAssessments: 3998

Multi Family

  • WaterfrontFeatures: River Front

Map

Range of Values:

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Value Increase
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,998 $394,200 $81,000 $313,200
2024 $4,632 $379,700 $78,500 $301,200
2023 $4,132 $438,600 $56,500 $382,100
2022 $3,834 $393,400 $52,500 $340,900
2021 $3,750 $302,800 $48,500 $254,300
2020 $3,370 $298,700 $48,500 $250,200
2019 $2,680 $255,100 $48,500 $206,600
2018 $2,766 $217,000 $44,000 $173,000
2017 $2,764 $216,100 $42,400 $173,700
2016 $2,418 $0 $0 $0
2015 $1,966 $0 $0 $0
2014 $1,966 $0 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
05/15/2026 05/15/26 For Sale $500,000 -- $230 / Sq Ft
Source: NorthstarMLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $400,000 None Available
Warranty Deed $343,000 All American Title
Deed $288,000 --
Warranty Deed $67,000 Mille Lacs County Title
Deed $343,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $260,000 New Conventional
Source: Public Records

Source: NorthstarMLS

MLS Number: 7074831

NorthstarMLS

APN: 11-778-0040

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