Listed at
$925,000
$235/sqft

12446 190th Street

12446 190th Street, Milaca, MN, 56353
3  Bedrooms3  Bathrooms3,939  Square Feet26.43  Acres
Days on market502
Year built1994
Garage spaces7
TypeResidential
Est. $24,750buyer credit when you buy with SODL
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About this home

Welcome to your hobby farm and/or equestrian retreat! This stunning 26+ acre horse farm offers the perfect blend of luxury living and countryside charm. Overlooking the serene Rum River, this property boasts a fully equipped indoor riding arena, stables, and expansive fenced pasture. Step inside to this custom built rambler featuring one level living, panoramic views from every window, and exquisite woodwork throughout. The updated, oversized kitchen sits just off of the large formal dining room complete with built-ins and flows into the inviting living room featuring a cozy gas fireplace. The main floor primary suite includes a spacious walk-in closet and an oversized bathroom. Step outside onto the huge, maintenance free Trex deck—ideal for relaxing or entertaining with river and pasture views.The finished lower level includes a walkout family room and game area, two large bedrooms with walk-in closets, a ¾ bathroom, and an abundance of storage space. Whether you're a horse lover, nature enthusiast, or simply looking for tranquility and space, this property offers unmatched lifestyle potential. Don’t miss the opportunity to own this unique riverfront horse haven.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built1994
LevelsOne
Living area3,939 sqft
Above-grade finished2,139 sqft
Below-grade finished1,800 sqft
Lot size26.43 acres (Irregular)
Days on market502
ListedMay 12, 2025
MLS #NST6703518
CountyMille Lacs
Parcel #150351501

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
7 spaces · 936 sqft
Parking features
Attached Garage, Detached Garage
Patio & porch
Deck
Fencing
Other, Partial
Other structures
Indoor Arena, Pole Building, Stables

Construction

Property type
Residential
Property subtype
Single Family Residence
Foundation
2,139 sqft
Year built
1994

Utilities

Water
Private
Sewer
Private Sewer
Fuel
Propane

Community & HOA

HOA
No HOA
School district
Milaca

Financial & listing details

Annual tax
$5,640 (2024)
Listed
May 12, 2025
Days on market
502
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths0
3/4 baths2
Half baths1
1/4 baths0
BasementFinished, Walkout
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryLaundry Room, Main Level, Sink
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningInformal Dining Room, Separate/Formal Dining Room
AmenitiesDeck, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Washer/Dryer Hookup
AccessibilityNone
Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

Foundation area2,139 sqft
Patio/porchDeck
Lot featuresIrregular Lot, Suitable for Horses
ZoningAgriculture,Residential-Single Family

Utilities

Water sourcePrivate
SewerPrivate Sewer
FuelPropane

Parking & garage

ParkingAttached Garage, Detached Garage
Garage spaces7
Garage size936 sqft

Financial details

Annual taxes$5,640
Tax year2024
Taxes w/ assessments5640
Assessment pendingNo
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2335
District phone3209827210
High schoolMilaca
SODL flat fee brokerage
$24,750Estimated buyer credit
SODL platform fee $3,000Your buyer credit $24,750

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$5,640/mo
Principal & interest$4,861
Property taxes$470
Home insurance (est.)$308
%
$185,000
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

12446 190th Street, Milaca, MN, 56353

Listing information

MLS #NST6703518
StatusActive
Last updatedFeb 9, 2026, 9:26 PM
Originally listedMay 15, 2025, 12:00 AM
Listing officeKeller Williams Classic Rlty NW

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.