18116 Captive Lake Rd, Garrison, MN 56450 Property Records

Mille Lacs County property record for 18116 Captive Lake Rd, Garrison, MN 56450

Property Summary

Property Type	Single Family Home
Details	894 sqft
Lot Size	0.061 acres (2,659 sqft)
Owner	Individual Name on File
Last Sale	$85,500 (Jun 2021)
Tax Bill	$598 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-763-0020`

Property Details

APN / Parcel Number

Primary APN	`09-763-0020`

Interior

Building Area	894 sqft Total Area

Exterior

Lot Area	2,659 sqft (0.061 acres)
Garage Area	318 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	120 sqft

Location & Zoning

Street Address	18116 CAPTIVE LAKE RD
City	GARRISON
State	MN
Zip	56450-8650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT B CIC 29 & 30 & PART OF TRACT C IS VALUED HERE
Legal Range	27
Legal Township	43
Legal Section	07
Legal Subdivision	REGISTERED LAND SURVEY NO 4
Legal Tract	C
Jurisdiction	MILLE LACS MN
Township / Civil Division	KATHIO
Census Block Group	2
Census Block	2036
Census Tract	970200

Owner

18116 Captive Lake Rd is owned by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	18118 CAPTIVE LAKE RD, GARRISON, MN 56450-8650
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jun 16, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2021 · Amount on File
Deed Sale	Jun 16, 2021 · Amount on File
Prior Sale	Aug 29, 2016 · Amount on File
Deed Document Number	202119021
Prior Transfer Date	Apr 15, 2016
Prior Transfer Doc	0000T17025
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	18116 CAPTIVE LAKE RD, GARRISON, MN 56450-8650
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000T19487
Date	Jun 8, 2022
Instrument	T19487

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	3.9%
Max Rate At Change	8.35%
Index	1-Year CMT

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 16, 2021
Property Address	18116 CAPTIVE LAKE RD, GARRISON, MN 56450-8650
Document Number	0000T19021
Instrument Date	May 14, 2021
Instrument	T19021
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.15
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18118 CAPTIVE LAKE RD, GARRISON, MN 56450-8650

Mortgage

Document Number	0000T19022
Date	Jun 16, 2021
Instrument	T19022

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 18116 Captive Lake Rd was $598, down 10.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$598.00 (-10.21%)	$89,100 (+5.82%) Land $38,500 Building $50,600	$89,100 (+5.82%) Land $38,500 Building $50,600
2025	$666.00 Homeowner's exemption	$84,200 Land $38,500 Building $45,700	$84,200 Land $38,500 Building $45,700
2023	$706.00	$96,100 Land $36,000 Building $60,100	$96,100 Land $36,000 Building $60,100

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

Flood

FEMA maps place 18116 Captive Lake Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 4, 2013

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 18116 Captive Lake Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VINELAND tribal government · serves 4,220 people · EPA ID 055294301
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Captive Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures