9518 190th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 9518 190th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,464 sqft · built 2001
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Aug 2026)
Tax Bill	$3,958 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-032-0803`

Property Details

APN / Parcel Number

Primary APN	`07-032-0803`

Interior

Building Area	1,464 sqft Total Area
Basement Area	1,464 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	871,200 sqft (20 acres)
Garage Area	848 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	71 sqft

Location & Zoning

Street Address	9518 190TH ST
City	MILACA
State	MN
Zip	56353-3172
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 OF SE OF SW 32 39 26 20.00
Legal Range	26
Legal Township	39
Legal Section	32
Jurisdiction	MILLE LACS MN
Township / Civil Division	HAYLAND
Census Block Group	1
Census Block	1038
Census Tract	970300

Owner

9518 190th St is owned and occupied by two individuals who bought it in August 2026.

Source: Mille Lacs County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9518 190TH ST, MILACA, MN 56353-3172
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Mar 6, 2026	Deed of Trust, Mortgage · Line of Credit BLAZE CREDIT UNION
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2026 · Amount on File
Deed Sale	Aug 26, 2026 · Amount on File
Deed Document Number	2026452644
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Aug 26, 2026
Property Address	9518 190TH ST, MILACA, MN 56353-3172
Document Number	0000452644
Instrument Date	Aug 21, 2026
Instrument	2026452644
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	AT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156,651.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9518 190TH ST, MILACA, MN 56353-3172

Mortgage

Document Number	0000452645,
Date	Aug 26, 2026
Instrument	2026452645

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	9518 190TH ST, MILACA, MN 56353-3172
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	SERVION TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A450327
Date	Mar 6, 2026
Instrument	A450327

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	9518 190TH ST, MILACA, MN 56353-3172
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A422914
Date	Feb 26, 2021
Instrument	A422914

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 9518 190th St was $3,958.

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	$3,958.00	$453,900 (+1.43%) Land $109,000 Building $344,900	$453,900 (+1.43%) Land $109,000 Building $344,900
2025		$447,500 Land $109,000 Building $338,500	$447,500 Land $109,000 Building $338,500
2023	$3,376.00	$381,700 Land $85,000 Building $296,700	$381,700 Land $85,000 Building $296,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9518 190th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 9518 190th St is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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	0.07% 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 5 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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