Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $4,980 (2026).

What school district is this property in?

This property is in the 912 - Milaca school district.

Does this home have a garage?

Yes, this home has a 7-car garage.

How long has this property been on the market?

This property was listed for 162 days.

Sold / Closed

$850,000

Sold price · Closed Aug 31, 2026

$216/sqft

12446 190th Street

12446 190th Street, Milaca, MN, 56353

3 Bedrooms3 Bathrooms3,939 Square Feet26.43 Acres

Days on market162

Year built1994

Garage spaces7

TypeResidential

Est. $22,500buyer credit when you buy with SODL

About this home

Country Living Horse Ranch Hobby Farm Enterprising Entrepreneur. Welcome to the hobby farm of your dreams — where horses, hay fields, and happy living come together on over 26 gorgeous acres overlooking the Rum River. This custom-built rambler is all about one-level living done right…3-Bdrm, 3-Bath, 3-Garage, 3939-finished sq ft. Panoramic views greet you from every window, and the oversized kitchen flows effortlessly into both formal and informal dining areas with charming built-ins. The living room features a cozy gas fireplace that practically begs you to settle in with a good book. The main floor primary bedroom suite comes with a spacious walk-in closet and a bathroom to relax and enjoy. Step outside onto the massive maintenance-free Trex deck and take in sweeping panoramic views of the river and fenced pastures. Not a bad spot for morning coffee, if you ask us. Downstairs, the finished walkout level delivers a huge family room, gaming area, two generous bedrooms with walk-in closets, bathroom, and plenty of storage in the large utility room. Now for the real magic — huge pole building, fully equipped indoor riding arena, 6-stables, fenced pastures, hay fields, a studio apartment, workshop and indoor garages, making this a true equestrian paradise. Whether you're running a horse hobby farm or entire operation, you'll just love the wide open spaces, that this property provides. Located just minutes from Milaca with easy access to schools, shopping, and community parks, this riverfront horse ranch checks every box. Come see it today and fall in love!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1994

LevelsOne

Living area3,939 sqft

Above-grade finished2,139 sqft

Below-grade finished1,800 sqft

Lot size26.43 acres (Irregular)

Days on market162

ListedFeb 23, 2026

MLS #NST7020736

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, Fuel Tank - Rented, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 7 spaces · 27.5x34 · 936 sqft
Parking features: Attached Garage, Driveway - Other Surface, Garage Door Opener, Gravel, Multiple Garages
Patio & porch: Deck, Front Porch, Patio
Exterior features: Stone, Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 2,139 sqft
Roof: Age 8 Years or Less
Year built: 1994

Utilities

Water: Drilled, Private
Sewer: Mound Septic, Private Sewer
Fuel: Propane
Electric: Circuit Breakers

Community & HOA

HOA: No HOA
School district: 912 - Milaca
High school district: Milaca

Financial & listing details

Annual tax: $4,980 (2026)
Listed: Feb 23, 2026
Days on market: 162 · 433 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths0

3/4 baths2

Half baths1

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Egress Window(s), Finished, Full, Storage Space, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryGas Dryer Hookup, Laundry Room, Main Level, Washer Hookup

AppliancesDishwasher, Dryer, Fuel Tank - Rented, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningInformal Dining Room, Separate/Formal Dining Room

AmenitiesCable, Ceiling Fan(s), Deck, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Porch, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Vinyl

RoofAge 8 Years or Less

FoundationBlock

Foundation area2,139 sqft

Patio/porchDeck, Front Porch, Patio

Lot featuresIrregular Lot, Tree Coverage - Light

Road frontageCounty Road, Paved Streets, Township

Road responsibilityPublic Maintained Road

ZoningAgriculture,Residential-Single Family

Utilities

Water sourceDrilled, Private

SewerMound Septic, Private Sewer

FuelPropane

Parking & garage

ParkingAttached Garage, Driveway - Other Surface, Garage Door Opener, Gravel, Multiple Garages

Garage spaces7

Garage size936 sqft

Financial details

Annual taxes$4,980

Tax year2026

Taxes w/ assessments4980

Assessment pendingNo

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District912 - Milaca

District number912

District phone3209827210

High schoolMilaca

SODL flat fee brokerage

$22,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $22,500

Buyer-side commission

3.0%

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

$5,165/mo

Principal & interest$4,467

Property taxes$415

Home insurance (est.)$283

Down payment

$170,000

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.