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Seasonal, Cabin, Vacation ResidenceResidential
$250,371$160 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $200,000 on May 27, 2026

18445 HARBOR DR

GARRISON, MN 56450
0
Baths
1,560 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.63 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$250K
$224K low$277K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$200,000 · May 27, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,336 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$417,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$92,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$325,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$402,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$417,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
92
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.65 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Seasonal, Cabin, Vacation Residence
CountyMILLE LACS
Lot (acres)The size of the land the home sits on, from county records.0.63
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 408 ft²

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Onamia High SchoolD
Middle · Grades 7–12 · 13.7 mi
E
Onamia Primary School
Elementary · Grades PK–2 · 13.8 mi

District: Onamia Public School District

Neighborhood · ZIP 56450These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.153
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.50%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.685
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.22 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,892
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,394
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

18445 Harbor Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 77% of homes in Mille Lacs County
  • Bigger than 85% of homes in Garrison 56450

What homes are worth in Garrison 56450

Each bar is how many homes fall in that price range. The marker is this home.

This home
$80K$655K

This home is worth more than 59% of homes in Garrison 56450.

How it measures up in Garrison 56450

The dot is this home. The mark in the middle is the typical home in Garrison 56450.

Estimated value$250,371
CheaperTypical $219,624Pricier

Pricier than 59% of homes nearby

Price per ft²$160
CheaperTypical $203Pricier

Pricier than 30% of homes nearby

Living area1,560 ft²
SmallerTypical 960 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.63 ac
SmallerTypical 0.46 acBigger

Bigger than 64% of homes nearby

Year built1984
OlderTypical 1987Newer

Newer than 47% of homes nearby

How 18445 Harbor Dr ranks against every home in each area.
MeasureThis homeGarrison 56450Mille Lacs County
Estimated valuepricier than$250,37159% of homes54% of homes
Price per ft²pricier than$16030% of homes23% of homes
Living areabigger than1,560 ft²85% of homes81% of homes
Lot sizebigger than0.63 ac64% of homes41% of homes
Year builtnewer than198447% of homes47% of homes

About 18445 Harbor Dr

How much is 18445 Harbor Dr, Garrison, MN worth?

The TopHap Estimate for 18445 Harbor Dr, Garrison, MN is $250,371 as of Aug 30, 2026. The likely range is $223,664 to $277,078. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 18445 Harbor Dr, Garrison, MN last sell?

18445 Harbor Dr, Garrison, MN last sold on May 27, 2026 for $200,000, according to the county's recorded deed.

How big is 18445 Harbor Dr, Garrison, MN?

18445 Harbor Dr, Garrison, MN has 1,560 square feet of living space and a 0.63-acre lot.

When was 18445 Harbor Dr, Garrison, MN built?

18445 Harbor Dr, Garrison, MN was built in 1984, making it 42 years old.

What schools serve 18445 Harbor Dr, Garrison, MN?

18445 Harbor Dr, Garrison, MN is assigned to Onamia High School (middle), rated D; Onamia Primary School (elementary). All sit in Onamia Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 18445 Harbor Dr, Garrison, MN compare to other homes in Garrison 56450?

Among the 1,905 homes in Garrison 56450, it is worth more than 59% of them ($250,371 against a typical $219,624), its price per square foot is higher than 30% of them ($160 against a typical $203), it is bigger than 85% of them (1,560 ft² against a typical 960 ft²), its lot is bigger than 64% of them (0.63 ac against a typical 0.46 ac) and it is newer than 47% of them (1984 against a typical 1987). Measured against all of Mille Lacs County, it is worth more than 54% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 18445 Harbor Dr, Garrison, MN?

The 2026 property tax bill for 18445 Harbor Dr, Garrison, MN was $4,336. The county assessed it at $417,300.

More homes on Harbor Dr

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Assigned schools

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