10779 190th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 10779 190th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,204 sqft · built 1977
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Feb 2022)
Tax Bill	$3,256 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2026 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`02-006-0401`

Property Details

APN / Parcel Number

Primary APN	`02-006-0401`

Interior

Building Area	1,204 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	217,800 sqft (5 acres)
Garage Area	632 sqft
Parking Spaces	2 Parking Spaces
Deck Area	528 sqft

Location & Zoning

Street Address	10779 190TH ST
City	MILACA
State	MN
Zip	56353-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 660 OF W 330 FT OF GOV LOT 2 (NE OF NW) 6 38 26 5.00
Legal Range	26
Legal Township	38
Legal Section	06
Legal Lot Number	2
Jurisdiction	MILLE LACS MN
Township / Civil Division	BORGHOLM
Census Block Group	1
Census Block	1000
Census Tract	170500

Owner

Source: Mille Lacs County records, as of September 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10779 190TH ST, MILACA, MN 56353-3155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK MILACA
Jan 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Oct 3, 2007	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Jul 5, 2005	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Aug 23, 2013	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Feb 13, 2008	Deed of Trust, Mortgage · Conventional Mortgage LOYALTY MORTGAGE CO INC
Jun 2, 2006	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Feb 16, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Prior Sale	Feb 10, 2022 · Amount on Record
Deed Document Number	2022429901
Last Transfer Date	Jul 30, 2025
Transfer Doc	000A447378
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10779 190TH ST, MILACA, MN 56353-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ABSOLUTE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A426787
Date	Sep 10, 2021
Instrument	A426787

Lender

Name	FIRST NATIONAL BANK MILACA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 26, 2022

Interest

Rate Type	Fixed Rate

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10779 190TH ST, MILACA, MN 56353-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10779 190TH ST, MILACA, MN 56353-3155

Mortgage

Document Number	000A449775
Date	Jan 21, 2026
Instrument	A449775

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10779 190TH ST, MILACA, MN 56353-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000344955
Date	Oct 3, 2007
Instrument	344955

Lender

Name	BREMER BANK NA
Type	Bank
Address	LAKE ELMO, MN 55042

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 1, 2012

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10779 190TH ST, MILACA, MN 56353-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000323522
Date	Jul 5, 2005
Instrument	323522

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	58 Months
Due	May 1, 2010

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10779 190TH ST, MILACA, MN 56353-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A381195
Date	Aug 23, 2013
Instrument	A381195

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2028

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10779 190TH ST, MILACA, MN 56353-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000347572
Date	Feb 13, 2008
Instrument	347572

Lender

Name	LOYALTY MORTGAGE CO INC
Address	MINNEAPOLIS, MN 55432

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2038

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10779 190TH ST, MILACA, MN 56353-3155
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000332704
Date	Jun 2, 2006
Instrument	332704

Lender

Name	BREMER BANK NA
Type	Bank
Address	LAKE ELMO, MN 55042

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	May 1, 2011

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Feb 16, 2022
Property Address	10779 190TH ST, MILACA, MN 56353-3155
Document Number	000A429901
Instrument Date	Feb 9, 2022
Instrument	A429901
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10779 190TH ST, MILACA, MN 56353-3155

Mortgage

Document Number	000A429902
Date	Feb 16, 2022
Instrument	A429902

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
County Subdivision	Borgholm Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,256.00 (-5.13%)	$452,500 (+65.45%) Land $96,000 Building $356,500	$452,500 (+65.45%) Land $96,000 Building $356,500
2025	$3,432.00 (+2.94%) Homeowner's exemption	$273,500 (-4.64%) Land $84,000 Building $189,500	$273,500 (-4.64%) Land $84,000 Building $189,500
2023	$3,334.00	$286,800 Land $58,000 Building $228,800	$286,800 Land $58,000 Building $228,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 66% of Minnesota
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Benton Cooperative Telephone Company Fiber	250 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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