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12446 190th Street, Milaca, MN 56353

$898,000

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12446 190th Street, Milaca_Home Floorplan.jpg

12446 190th Street, Milaca_Pole Bldg Floorplan.jpg

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 4,278 Lot Size (sq. ft.): 1,151,291 Status: Active

Current Price: $898,000 List Date: 2/24/2026 Last Modified: 6/24/2026

Overview

Description

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 ... (Read more)

Listing Details MLS# 7020736

General Property Information

Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: Yes
Other Parking Spaces: 10
Road Btwn WF & Home?: No
Waterfront YN: Yes
Year Built: 1994
Yearly/Seasonal: Yearly
Zoning: Agriculture, Residential-Single Family
Bath Three Quarters: 2
Bath Half: Yes
Main Floor Total SqFt: 2139
Above Grd Total SqFt: 2139
Below Grd Total SqFt: 2139
Total SqFt: 4278
Total Finished Sqft: 3939.00
FireplaceYN: Yes
Lake/Waterfront Name: Rum River
Style: (SF) Single Family
Foundation Size: 2139
Garage Stalls: 7
Lot Dimensions: Irregular
Acres: 26.43
Assessment Pending: No
Bath Quarter: 0
Association Fee: 0

Property Features

Accessible: None Agricultural Water: Other Air Conditioning: Central Air Amenities Unit: Cable; Ceiling Fan(s); Deck; Kitchen Center Island; Kitchen Window; Main Floor Primary Bedroom; Patio; Porch; Primary Bedroom Walk-In Closet; Security System; Walk-In Closet; Washer/Dryer Hookup Appliances: Dishwasher; Dryer; Fuel Tank - Rented; Microwave; Range; Refrigerator; Washer Assumable Loan: Not Assumable Basement: Concrete Block; Egress Windows; Full; Storage Space Bath Description: Main Floor 1/2 Bath; 3/4 Primary; Private Primary; 3/4 Basement Construction Materials: Block; Frame Construction Status: Previously Owned Crop Type: Hay/Alfalfa Dining Room Description: Informal Dining Room; Separate/Formal Dining Room Electric: Circuit Breakers Existing Financing: Conventional Exterior: Brick/Stone; Vinyl Family Room Characteristics: Family Room; Lower Level Farm Type: Hobby; Horse; Other Fencing: Partial; Other Fireplace Characteristics: Gas Burning; Living Room Foundation: Concrete Block Fuel: Propane Heating: Forced Air Internet Options: Cable Laundry: Gas Dryer Hookup; Laundry Room; Main Level; Washer Hookup Lock Box Type: Combo Lot Description: Irregular Lot; Tree Coverage - Light Outbuildings: Additional Garage; Indoor Arena; Pole Building; Stables; Studio Parking Characteristics: Multiple Garages; Garage Door Opener; Gravel Lot Pool Description: None Property Subtype: Acreage; Ranch-Style Home; Rural Residential Road Frontage: County Road; Paved Streets; Township Road Responsibility: Public Maintained Road Roof: Age 8 Years or Less Second Unit: Existing In-Law w/Bath; Existing In-Law w/Kitchen Sellers Terms: Cash; Conventional; FHA; MHFA/WHEDA; Rural Development; VA Sewer: Mound Septic; Private Sewer Special Search: All Living Facilities on One Level; Main Floor Bedroom; Main Floor Laundry; Main Floor Primary; Primary Bdr Suite Stories: One Topography: Gently Rolling; Meadow; Pasture; Sloped; Walkout Water: Drilled; Private Waterfront Type: River Front; River View Waterfront View: River

Contract Information

Contingency: None
Original List Price: 925000
ListPrice: 898000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 12446
Street Name: 190th
Street Suffix: Street
Postal City: Milaca
County: Mille Lacs
State: MN
Zip Code: 56353

Acreage Information

Pasture Acres: 9
Tillable Acres: 16

Assessments

Tax With Assessments: 4980
Assessment Balance: 0

More Information

Building Information

Finished SqFt Above Ground: 2139
Finished SqFt Below Ground: 1800

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 27.5x34
Garage Square Feet: 936
Multiple Garages: Yes
Garage Door Opener: Yes
Gravel Lot: Yes

Public Survey Info

Range#: 27
Section#: 35
Township#: 39

Office/Member Info

Association: SPAAR

Location, Tax and Other Information

AssocFeeYN: No
Legal Description: PART OF SW OF SE LYING S & E OF RUM RIVER, EX S 464 FT OF E 470 FT, & ALSO PART OF S 1/2 OF S 1/2 OF NW OF SE LYING E OF RUM RIVER SEE 8/20/20 SURVEY 35 39 27 26.43
Listing City: Milaca
Map Page: 999
Municipality: Milaca
School District: Milaca
School District Phone: 320-982-7210
DNR Lake Classification: Not Applicable
Zip Plus 4: 3307
Property ID Number: 150351501
Tax Year: 2026
Tax Amount: 4980
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: 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!
Directions: Hwy 169 North of Milaca to 190th Street, West to Home: 12446 190th Street, Milaca, MN 56358.

Accessible

None: Yes

Agricultural Water

Other: Yes

Air Conditioning

Central Air: Yes

Amenities Unit

Cable: Yes
Ceiling Fan(s): Yes
Deck: Yes
Kitchen Center Island: Yes
Kitchen Window: Yes
Main Floor Primary Bedroom: Yes
Patio: Yes
Porch: Yes
Primary Bedroom Walk-In Closet: Yes
Security System: Yes
Walk-In Closet: Yes
Washer/Dryer Hookup: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Fuel Tank - Rented: Yes
Microwave: Yes
Range: Yes
Refrigerator: Yes
Washer: Yes

Assumable Loan

Not Assumable: Yes

Basement

Concrete Block: Yes
Egress Windows: Yes
Full: Yes
Storage Space: Yes

Bath Description

Main Floor 1/2 Bath: Yes
3/4 Primary: Yes
Private Primary: Yes
3/4 Basement: Yes

Construction Materials

Block: Yes
Frame: Yes

Construction Status

Previously Owned: Yes

Crop Type

Hay/Alfalfa: Yes

Dining Room Description

Informal Dining Room: Yes
Separate/Formal Dining Room: Yes

Electric

Circuit Breakers: Yes

Existing Financing

Conventional: Yes

Exterior

Brick/Stone: Yes
Vinyl: Yes

Family Room Characteristics

Family Room: Yes
Lower Level: Yes

Farm Type

Hobby: Yes
Horse: Yes
Other: Yes

Fencing

Partial: Yes
Other: Yes

Fireplace Characteristics

Gas Burning: Yes
Living Room: Yes

Foundation

Concrete Block: Yes

Fuel

Propane: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Internet Options

Cable: Yes

Lake Details

Lake Depth: No

Laundry

Gas Dryer Hookup: Yes
Laundry Room: Yes
Main Level: Yes
Washer Hookup: Yes

Lock Box Type

Combo: Yes

Lot Description

Irregular Lot: Yes
Tree Coverage - Light: Yes

Outbuildings

Additional Garage: Yes
Indoor Arena: Yes
Pole Building: Yes
Stables: Yes
Studio: Yes

Patio, Porch and Deck Features

Deck: Yes
Front Porch: Yes
Patio: Yes

Pool Description

None: Yes

Property Subtype

Acreage: Yes
Ranch-Style Home: Yes
Rural Residential: Yes

Road Frontage

County Road: Yes
Paved Streets: Yes
Township: Yes

Road Responsibility

Public Maintained Road: Yes

Roof

Age 8 Years or Less: Yes

Second Unit

Existing In-Law w/Bath: Yes
Existing In-Law w/Kitchen: Yes

Sellers Terms

Cash: Yes
Conventional: Yes
FHA: Yes
MHFA/WHEDA: Yes
Rural Development: Yes
VA: Yes

Sewer

Mound Septic: Yes
Private Sewer: Yes

Special Search

All Living Facilities on One Level: Yes
Main Floor Bedroom: Yes
Main Floor Laundry: Yes
Main Floor Primary: Yes
Primary Bdr Suite: Yes

Stories

One: Yes

Topography

Gently Rolling: Yes
Meadow: Yes
Pasture: Yes
Sloped: Yes
Walkout: Yes

Water

Drilled: Yes
Private: Yes

Waterfront Type

River Front: Yes
River View: Yes

Waterfront View

River: Yes

Room Information

Room Name	Dimensions	Level
Deck	16x18	Upper
Dining Room	23x5	Main
Family Room	24x30	Lower
First (1st) Bedroom	18x15	Main
Foyer	17x8	Main
Kitchen	15x14	Main
Laundry	13x9	Main
Living Room	17x16	Main
Primary Bath	9x10	Main
Patio		Lower
Second (2nd) Bedroom	17x14	Lower
Sitting Room	14x16	Main
Third (3rd) Bedroom	22x14	Lower

Listing Office: MetroHomesMarket.com

Last Updated: June - 24 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.