18555 460th St, Garrison, MN 56450 Property Records

Mille Lacs County property record for 18555 460th St, Garrison, MN 56450

Property Summary

Property Type	Seasonal / Vacation Home
Details	912 sqft · built 1955
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Apr 2026)
Tax Bill	$1,644 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`09-118-1000`

Property Details

APN / Parcel Number

Primary APN	`09-118-1000`

Interior

Building Area	912 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	17,424 sqft (0.4 acres)
Shed	1 Shed

Location & Zoning

Street Address	18555 460TH ST
City	GARRISON
State	MN
Zip	56450-9603
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	W 140 FT OF E 450 FT OF N 125 FT OF GOVT LOT 2 (NE OF NW) 18 43 27 .40
Legal Range	27
Legal Township	43
Legal Section	18
Jurisdiction	MILLE LACS MN
Township / Civil Division	KATHIO
Census Block Group	3
Census Block	3002
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	18555 460TH ST, GARRISON, MN 56450-9603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage DEERWOOD BANK
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage DEERWOOD BANK
May 20, 2020	Deed, Transfer NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO
Aug 8, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	May 14, 2024 · Amount on Record
Deed Document Number	2026450704
Prior Transfer Date	Mar 31, 2026
Prior Transfer Doc	000A450704
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Apr 8, 2026
Property Address	18555 460TH ST, GARRISON, MN 56450-9603
Document Number	0000450704
Instrument Date	Mar 31, 2026
Instrument	2026450704
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63,993.60
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18555 460TH ST, GARRISON, MN 56450-9603

Mortgage

Document Number	0000450705,
Date	Apr 8, 2026
Instrument	2026450705

Lender

Name	DEERWOOD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Apr 8, 2026
Property Address	18555 460TH ST, GARRISON, MN 56450-9603
Document Number	000A450704
Instrument Date	Mar 31, 2026
Instrument	2026450704
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63,993.60
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18555 460TH ST, GARRISON, MN 56450-9603

Mortgage

Document Number	0000450705,
Date	Apr 8, 2026
Instrument	2026450705

Lender

Name	DEERWOOD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	May 20, 2020
Property Address	18555 460TH ST, GARRISON, MN 56450-9603
Document Number	000A417129
Instrument Date	May 1, 2020
Instrument	A417129
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18553 460TH ST, 18553, GARRISON, MN 56450-9603

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18553 460TH ST, GARRISON, MN 56450-9603

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Aug 8, 2017
Property Address	18555 460TH ST, GARRISON, MN 56450-9603
Document Number	000A401941
Instrument Date	Jul 31, 2017
Instrument	A401941
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18553 460TH ST, GARRISON, MN 56450-9603

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	$1,644.00 (+0.98%)	$154,600 (+2.86%) Land $40,800 Building $113,800	$154,600 (+2.86%) Land $40,800 Building $113,800
2025	$1,628.00 (+4.76%)	$150,300 (+4.59%) Land $40,000 Building $110,300	$150,300 (+4.59%) Land $40,000 Building $110,300
2023	$1,554.00	$143,700 Land $36,400 Building $107,300	$143,700 Land $36,400 Building $107,300

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	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	Moderate above 46% of the US · above 76% of Minnesota
Wildfire Likelihood	0.04% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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