18963 460th St, Garrison, MN 56450 Property Records

Mille Lacs County property record for 18963 460th St, Garrison, MN 56450

Property Summary

Property Type	Seasonal / Vacation Home
Details	1,033 sqft · built 2005
Lot Size	0.555 acres (24,180 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Apr 2020)
Tax Bill	$5,488 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-922-0020`

Property Details

APN / Parcel Number

Primary APN	`09-922-0020`

Interior

Building Area	1,033 sqft Living Area
Basement Area	993 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	24,180 sqft (0.555 acres)
Garage Area	895 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	300 sqft
Shed	1 Shed
Cabin	672 sqft

Location & Zoning

Street Address	18963 460TH ST
City	GARRISON
State	MN
Zip	56450-8636
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOTS 3 & 10 BLK A & E 60 OF W 196.5 FT OF THAT PART OF GOV LOT 3 LYING S OF PLAT OF WHITEFISH, OR TR
Legal Range	27
Legal Township	43
Legal Section	18
Legal Subdivision	WHITEFISH
Legal Block	A
Legal Lot Number	3
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 July 20, 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	1462 MONTEREY CT, STILLWATER, MN 55082-5750
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2020 · Amount on Record
Deed Sale	Apr 27, 2020 · Amount on Record
Prior Sale	Jun 17, 2016 · Amount on Record
Deed Document Number	2020416815
Record Updated	Sep 20, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Apr 27, 2020
Property Address	18963 460TH ST, GARRISON, MN 56450-8636
Document Number	000A416815
Instrument Date	Apr 10, 2020
Instrument	A416815
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	ESQUIRE TITLE, ESQUIRE TITLE SERVICE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18763 460TH ST, GARRISON, MN 56450

Mortgage

Document Number	000A416816
Date	Apr 27, 2020
Instrument	A416816

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 5, 2025

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	$5,488.00 (+3.82%)
2025		$496,300 (-8.48%) Land $84,700 Building $411,600	$496,300 (-8.48%) Land $84,700 Building $411,600
2023	$5,286.00	$542,300 Land $78,800 Building $463,500	$542,300 Land $78,800 Building $463,500

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 500 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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