9876 190th St, Milaca, MN 56353 Property Records

Mille Lacs County property record for 9876 190th St, Milaca, MN 56353

Property Summary

Property Type	Single Family Home
Details	1,152 sqft · built 1910
Lot Size	68.9 acres (3,004,769 sqft)
Owner	2 Individual Names on File
Last Sale	$3,000 (Jun 2022)
Tax Bill	$3,458 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-032-1100`

Property Details

APN / Parcel Number

Primary APN	`07-032-1100`

Interior

Building Area	1,152 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	3,004,769 sqft (68.9 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	216 sqft

Location & Zoning

Street Address	9876 190TH ST
City	MILACA
State	MN
Zip	56353-3174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF SW, EX N 627 FT OF E 418 FT & EX W 1/2 OF SW OF SW OF SW 32 39 26 68.98
Legal Range	26
Legal Township	39
Legal Section	32
Jurisdiction	MILLE LACS MN
Township / Civil Division	HAYLAND
Census Block Group	1
Census Block	1049
Census Tract	970300

Owner

9876 190th St is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	9876 190TH ST, MILACA, MN 56353-3174
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 22, 2026	Deed of Trust, Mortgage · Closed-End Mortgage FIRST NATIONAL BANK OF MILACA
Jul 10, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK MILACA
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO
Jun 9, 2022	Warranty Deed, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT
Nov 2, 2021	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2022 · Amount on File
Deed Sale	Jun 9, 2022 · Amount on File
Prior Sale	Nov 2, 2021 · Amount on File
Deed Document Number	2022431667
Prior Transfer Date	Apr 25, 2022
Prior Transfer Doc	000A431667
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	9876 190TH ST, MILACA, MN 56353-3174
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9876 190TH ST, MILACA, MN 56353-3174

Mortgage

Document Number	000A449787
Date	Jan 22, 2026
Instrument	A449787

Lender

Name	FIRST NATIONAL BANK OF MILACA
Type	Bank
Address	MILACA, MN 56353

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	62 Months
Due	Mar 14, 2031

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	9876 190TH ST, MILACA, MN 56353-3174
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A436959
Date	Jul 10, 2023
Instrument	A436959

Lender

Name	FIRST NATIONAL BANK MILACA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 6, 2028

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	9876 190TH ST, MILACA, MN 56353-3174
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	DCA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A423805
Date	Apr 12, 2021
Instrument	A423805

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 9, 2022
Property Address	9876 190TH ST, MILACA, MN 56353-3174
Document Number	000A431667
Instrument Date	Apr 25, 2022
Instrument	A431667
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Tax	$1.65
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	9876 190TH ST, MILACA, MN 56353-3174

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Nov 2, 2021
Property Address	9876 190TH ST, MILACA, MN 56353-3174
Document Number	000A427878
Instrument Date	Oct 18, 2021
Instrument	A427878
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,445.40
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	9876 190TH ST, MILACA, MN 56353-3174

Mortgage

Document Number	000A427879
Date	Nov 2, 2021
Instrument	A427879

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 9876 190th St was $3,458.

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	$3,458.00	$468,600 (+0.75%) Land $207,400 Building $261,200	$468,600 (+0.75%) Land $207,400 Building $261,200
2025		$465,100 Land $205,700 Building $259,400	$465,100 Land $205,700 Building $259,400
2023	$2,938.00	$398,600 Land $164,800 Building $233,800	$398,600 Land $164,800 Building $233,800

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

Flood

FEMA maps place 9876 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 9876 190th St is moderate, ranking above 43% 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 43% of the US · above 73% 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

4G LTE only, no 5G reported

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