18895 460th St, Garrison, MN 56450 Property Records

Mille Lacs County property record for 18895 460th St, Garrison, MN 56450

Property Summary

Property Type	Single Family Home
Details	720 sqft · built 1935
Lot Size	0.304 acres (13,268 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Jul 2018)
Tax Bill	$1,686 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-118-1700`

Property Details

APN / Parcel Number

Primary APN	`09-118-1700`

Interior

Building Area	720 sqft Living Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Lot Area	13,268 sqft (0.304 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	136 sqft
Cabin	200 sqft

Location & Zoning

Street Address	18895 460TH ST
City	GARRISON
State	MN
Zip	56450-8660
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF GOVT LOT 3 LYING S OF LOTS 6 & 7 BLK A, WHITEFISH
Legal Range	27
Legal Township	43
Legal Section	18
Legal Block	A
Legal Lot Number	6,7
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	Individual Name on Record
Mailing Address	PO BOX 466, OSSEO, MN 55369-0020
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE
Feb 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Feb 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Jul 26, 2018	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2018 · Amount on Record
Deed Sale	Jul 26, 2018 · Amount on Record
Deed Document Number	2018407237
Prior Transfer Date	Mar 11, 2008
Prior Transfer Doc	0000348234
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Recording Date	Jun 15, 2026
Property Address	18895 460TH ST, GARRISON, MN 56450-8660
Document Number	0000451600
Instrument Date	Jun 3, 2026
Instrument	2026451600
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LEGACY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18895 460TH ST, GARRISON, MN 56450-8660

Mortgage

Document Number	0000451600,
Date	Jun 15, 2026
Instrument	2026451600

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	18895 460TH ST, GARRISON, MN 56450
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A410387
Date	Feb 20, 2019
Instrument	A410387

Lender

Name	BAY EQUITY LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	18895 460TH ST, GARRISON, MN 56450
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A424231
Date	May 4, 2021
Instrument	A424231

Lender

Name	BAY EQUITY LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	18895 460TH ST, GARRISON, MN 56450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A410387
Date	Feb 20, 2019
Instrument	A410387

Lender

Name	BAY EQUITY LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 26, 2018
Property Address	18895 460TH ST, GARRISON, MN 56450
Document Number	000A407237
Instrument Date	Jul 17, 2018
Instrument	A407237
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	EXECUTIVE ASSOCIATES TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18895 460TH ST, GARRISON, MN 56450

Mortgage

Document Number	000A407238
Date	Jul 26, 2018
Instrument	A407238

Lender

Name	BAY EQUITY LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

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	$1,686.00 (+17.08%)	$154,200 (+0.06%) Land $74,000 Building $80,200	$154,200 (+0.06%) Land $74,000 Building $80,200
2025		$154,100 (+4.33%) Land $74,000 Building $80,100	$154,100 (+4.33%) Land $74,000 Building $80,100
2023	$1,440.00	$147,700 Land $69,800 Building $77,900	$147,700 Land $69,800 Building $77,900

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 34 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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