18527 Short Cut, Garrison, MN 56450 Property Records

Mille Lacs County property record for 18527 Short Cut, Garrison, MN 56450

Property Summary

Property Type	Single Family Home
Details	2,592 sqft · built 1977
Lot Size	0.466 acres (20,329 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,138 (2026)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-963-0430`

Property Details

APN / Parcel Number

Primary APN	`09-963-0430`

Interior

Building Area	2,592 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	20,329 sqft (0.466 acres)
Garage Type	Mixed
Garage Area	3,077 sqft
Parking Spaces	10 Parking Spaces
Porch	Slab
Deck Area	60 sqft
Shed	1 Shed

Location & Zoning

Street Address	18527 SHORT CUT
City	GARRISON
State	MN
Zip	56450-9677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& LOT 3 BLK 5
Legal Range	27
Legal Township	43
Legal Section	06
Legal Subdivision	PORT MILLE LACS CAPTAINS COVE
Legal Block	5
Legal Lot Number	4
Jurisdiction	MILLE LACS MN
Township / Civil Division	KATHIO
Census Block Group	2
Census Block	2005
Census Tract	970200

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	18527 SHORT CUT, GARRISON, MN 56450-9677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	18527 SHORT CUT, GARRISON, MN 56450-9677
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T19066
Date	Jul 9, 2021
Instrument	T19066

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2031

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	Kathio Township
Unified School District	Onamia Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,138.00 (+128.52%)	$563,200 (+3.24%) Land $45,500 Building $517,700	$563,200 (+3.24%) Land $45,500 Building $517,700
2025		$545,500 (+55.63%) Land $45,500 Building $500,000	$545,500 (+55.63%) Land $45,500 Building $500,000
2023	$2,686.00	$350,500 Land $46,500 Building $304,000	$350,500 Land $46,500 Building $304,000

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

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

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	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 65 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.

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