8434 190th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 8434 190th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,760 sqft · built 1998
Lot Size	35 acres (1,524,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,600 (Aug 2016)
Tax Bill	$3,770 (2026)
Deeds & Mortgages	Sep 2023 Second Mortgage Jan 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-033-1001`

Property Details

APN / Parcel Number

Primary APN	`07-033-1001`

Interior

Building Area	1,760 sqft Total Area
Basement Area	1,760 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	1,524,600 sqft (35 acres)
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	8434 190TH ST
City	MILACA
State	MN
Zip	56353-4623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF W 1/2 OF SE EX W 1/2 OF SW OF SW OF SE 33 39 26 35.00
Legal Range	26
Legal Township	39
Legal Section	33
Jurisdiction	MILLE LACS MN
Township / Civil Division	HAYLAND
Census Block Group	1
Census Block	1042
Census Tract	970300

Owner

Source: Mille Lacs County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8434 190TH ST, MILACA, MN 56353-4623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPIRE CU
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
Apr 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2016 · Amount on Record
Deed Sale	Aug 17, 2016 · Amount on Record
Prior Sale	Feb 16, 2011 · Amount on Record
Deed Document Number	2016396522
Prior Transfer Date	Jan 13, 2011
Prior Transfer Doc	000A365861
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	8434 190TH ST, MILACA, MN 56353-4623
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	T M TITLE SERVICES INC, C U TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A437992
Date	Sep 20, 2023
Instrument	A437992

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 15, 2033

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	8434 190TH ST, MILACA, MN 56353-4623
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A404477
Date	Jan 16, 2018
Instrument	A404477

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	8434 190TH ST, MILACA, MN 56353-4623
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	SERVION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A405825
Date	Apr 23, 2018
Instrument	A405825

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Apr 15, 2025

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	8434 190TH ST, MILACA, MN 56353-4623
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A422850
Date	Feb 24, 2021
Instrument	A422850

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	8434 190TH ST, MILACA, MN 56353-4623
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A424314
Date	May 7, 2021
Instrument	A424314

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Apr 15, 2028

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	8434 190TH ST, MILACA, MN 56353-4623
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A429381
Date	Jan 24, 2022
Instrument	A429381

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 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	Hayland Township
Unified School District	Milaca Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,770.00 (+4.03%)	$375,600 (+1.57%) Land $142,200 Building $233,400	$375,600 (+1.57%) Land $142,200 Building $233,400
2025	$3,624.00 (+21.94%) Homeowner's exemption	$369,800 (+22.41%) Land $139,000 Building $230,800	$369,800 (+22.41%) Land $139,000 Building $230,800
2023	$2,972.00	$302,100 Land $91,400 Building $210,700	$302,100 Land $91,400 Building $210,700

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 53% of the US · above 81% of Minnesota
Wildfire Likelihood	0.1% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: Benton Cooperative Telephone Company, GigFire, Verizon.

Cell Coverage

4G LTE only, no 5G reported

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