12446 190th Street, Milaca, MN 56353

$925,000
Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 4,278 Lot Size (sq. ft.): 1,151,291 Status: Active
Current Price: $925,000 List Date: 2/24/2026 Last Modified: 4/20/2026

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 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!

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 Present
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 View: River

Contract Information

Contingency
None
Original List Price
925000
ListPrice
925000
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
5322
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
2025
Tax Amount
5322
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

Lake/Waterfront

River Front
Yes
River View
Yes

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 View

River
Yes

Room Information

Deck Dimensions: 16x18 Level: Upper Dining Room Dimensions: 23x5 Level: Main Family Room Dimensions: 24x30 Level: Lower First (1st) Bedroom Dimensions: 18x15 Level: Main Foyer Dimensions: 17x8 Level: Main Kitchen Dimensions: 15x14 Level: Main Laundry Dimensions: 13x9 Level: Main Living Room Dimensions: 17x16 Level: Main Primary Bath Dimensions: 9x10 Level: Main Patio Level: Lower Second (2nd) Bedroom Dimensions: 17x14 Level: Lower Sitting Room Dimensions: 14x16 Level: Main Third (3rd) Bedroom Dimensions: 22x14 Level: Lower
Listing Office: MetroHomesMarket.com
IDX
Last Updated: April - 20 - 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.