12446 190th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 12446 190th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	2,139 sqft · built 1994
Lot Size	26.4 acres (1,151,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Sep 2026)
Tax Bill	$4,980 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2020 Sale + 1 more
Flood Zone	Zone A (high risk)
APN	`15-035-1501`

Property Details

APN / Parcel Number

Primary APN	`15-035-1501`

Interior

Building Area	2,139 sqft Total Area
Basement Area	2,139 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	1,151,291 sqft (26.4 acres)
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Deck Area	200 sqft

Location & Zoning

Street Address	12446 190TH ST
City	MILACA
State	MN
Zip	56353-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF SW OF SE LYING S & E OF RUM RIVER, EX S 464 FT OF E 470 FT, & ALSO PART OF S 1/2 OF S 1/2 OF NW OF SE LYING E OF
Legal Range	27
Legal Township	39
Legal Section	35
Jurisdiction	MILLE LACS MN
Township / Civil Division	PAGE
Census Block Group	1
Census Block	1028
Census Tract	970300

Owner

Source: Mille Lacs County records, as of September 23, 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	12446 190TH ST, MILACA, MN 56353-3307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed, Transfer · VA Mortgage USAA FSB
Oct 26, 2020	Deed, Transfer
Sep 16, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026 · Amount on Record
Deed Sale	Sep 10, 2026 · Amount on Record
Prior Sale	Oct 26, 2020 · Amount on Record
Deed Document Number	2026452910
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 10, 2026
Property Address	12446 190TH ST, MILACA, MN 56353-3307
Document Number	0000452910
Instrument Date	Aug 19, 2026
Instrument	2026452910
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	TITLE SMART INC, TITLE SMART

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283,305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12446 190TH ST, MILACA, MN 56353-3307

Mortgage

Document Number	0000452913,
Date	Sep 10, 2026
Instrument	2026452913

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 26, 2020
Property Address	12446 190TH ST, MILACA, MN 56353-3307
Document Number	A420150
Instrument Date	Oct 7, 2020
Instrument	A420150
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Amount	Amount Recorded
Tax	$57.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19365 120TH AVE, MILACA, MN 56353-3006
Investor	Possibly a Property Investor

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 16, 2019
Property Address	12446 190TH ST, MILACA, MN 56353-3307
Document Number	A413203
Instrument Date	Sep 12, 2019
Instrument	A413203
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12446 190TH ST, MILACA, MN 56353-3307
Investor	Possibly a Property Investor

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	Page Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,980.00 (-7.4%)	$609,100 (+7.2%) Land $138,300 Building $470,800	$609,100 (+7.2%) Land $138,300 Building $470,800
2025		$568,200 (-4.58%) Land $130,400 Building $437,800	$568,200 (-4.58%) Land $130,400 Building $437,800
2023	$5,378.00	$595,500 Land $105,500 Building $490,000	$595,500 Land $105,500 Building $490,000

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 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	Moderate above 45% of the US · above 75% of Minnesota
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	70 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: GigFire.

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