5654 190th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 5654 190th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1976
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Oct 2021)
Tax Bill	$2,612 (2026)
Deeds & Mortgages	Oct 2025 Second Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-036-0300`

Property Details

APN / Parcel Number

Primary APN	`07-036-0300`

Interior

Building Area	960 sqft Living Area
Basement Area	960 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	435,600 sqft (10 acres)
Garage Area	1,296 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	5654 190TH ST
City	MILACA
State	MN
Zip	56353-3120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 946.25 FT OF W 1/2 OF SE OF SW WHICH LIES E OF W 200.00 FT SEE 7/19/19 SURVEY 36 39 26 10.00
Legal Range	26
Legal Township	39
Legal Section	36
Jurisdiction	MILLE LACS MN
Township / Civil Division	HAYLAND
Census Block Group	1
Census Block	1066
Census Tract	970300

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	5654 190TH ST, MILACA, MN 56353-3120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BLAZE CREDIT UNION
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
Oct 28, 2021	Deed, Transfer ANCONA TITLE
Sep 17, 2019	Warranty Deed, Transfer · Conventional Mortgage SPIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Sep 17, 2019 · Amount on Record
Deed Document Number	2021427726
Prior Transfer Date	Oct 15, 2008
Prior Transfer Doc	352086
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	5654 190TH ST, MILACA, MN 56353-3120
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	SERVION TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A448233
Date	Oct 7, 2025
Instrument	A448233

Lender

Name	BLAZE CREDIT UNION
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2040

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	5654 190TH ST, MILACA, MN 56353-3120
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A429797
Date	Feb 10, 2022
Instrument	A429797

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 28, 2021
Property Address	5654 190TH ST, MILACA, MN 56353-3120
Document Number	A427726
Instrument Date	Aug 31, 2021
Instrument	A427726
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	ANCONA TITLE

Transaction

Amount	Amount Recorded
Tax	$792.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13606 BIRCH RD, ROGERS, MN 55374-8671

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 17, 2019
Property Address	5654 190TH ST, MILACA, MN 56353-3120
Document Number	A413238
Instrument Date	Sep 13, 2019
Instrument	A413238
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$513.48
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5654 190TH ST, MILACA, MN 56353-3120

Mortgage

Document Number	000A413240
Date	Sep 17, 2019
Instrument	A413240

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

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

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	Hayland Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,612.00 (+36.9%)	$262,500 (+0.61%) Land $104,000 Building $158,500	$262,500 (+0.61%) Land $104,000 Building $158,500
2025		$260,900 (+27.7%) Land $102,000 Building $158,900	$260,900 (+27.7%) Land $102,000 Building $158,900
2023	$1,908.00	$204,300 Land $60,000 Building $144,300	$204,300 Land $60,000 Building $144,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.08% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Benton Cooperative Telephone Company Fiber	250 / 250

Cell Coverage

4G LTE only, no 5G reported

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