9751 190th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 9751 190th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,580 sqft · built 1974
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jan 2023)
Tax Bill	$4,626 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-005-0400`

Property Details

APN / Parcel Number

Primary APN	`02-005-0400`

Interior

Building Area	1,580 sqft Living Area
Basement Area	1,580 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	435,600 sqft (10 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	128 sqft
Shed	1 Shed
Shed Area	216 sqft

Location & Zoning

Street Address	9751 190TH ST
City	MILACA
State	MN
Zip	56353-3173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 660 FT OF N 660 FT OF FR E 1/2 OF NW 5 38 26 10.00
Legal Range	26
Legal Township	38
Legal Section	05
Jurisdiction	MILLE LACS MN
Township / Civil Division	BORGHOLM
Census Block Group	1
Census Block	1028
Census Tract	170400

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	9751 190TH ST, MILACA, MN 56353-3173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO
Jan 13, 2023	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2023 · Amount on Record
Deed Sale	Jan 13, 2023 · Amount on Record
Prior Sale	Nov 19, 2013 · Amount on Record
Deed Document Number	2023434788
Prior Transfer Date	Aug 9, 2013
Prior Transfer Doc	000A381987
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	9751 190TH ST, MILACA, MN 56353-3173
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A398746
Date	Jan 4, 2017
Instrument	A398746

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	9751 190TH ST, MILACA, MN 56353-3173
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	DCA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A416709
Date	Apr 17, 2020
Instrument	A416709

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jan 13, 2023
Property Address	9751 190TH ST, MILACA, MN 56353-3173
Document Number	000A434788
Instrument Date	Dec 16, 2022
Instrument	A434788
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	LENDSERV NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,287.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9751 190TH ST, MILACA, MN 56353-3173

Mortgage

Document Number	000A434789
Date	Jan 13, 2023
Instrument	A434789

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2053

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,626.00 (+8.95%)	$416,600 (+11.15%) Land $121,000 Building $295,600	$416,600 (+11.15%) Land $121,000 Building $295,600
2025		$374,800 (-2.8%) Land $104,000 Building $270,800	$374,800 (-2.8%) Land $104,000 Building $270,800
2023	$4,246.00	$385,600 Land $68,000 Building $317,600	$385,600 Land $68,000 Building $317,600

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 45% of the US · above 75% of Minnesota
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 6 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

5G (outdoors only) and 4G LTE

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