18112 Treasure Cv, Garrison, MN, 56450
About This Home
Pristine and developed Harbor lot on the powerful waters of MilleLacs Lake! Been camping and want to upgrade to that lake property ownership you've dreamed about? Or have you been thinking about purchasing waterfront to potentially build your dream home on? Do you like privacy with ample shade from the heat of summer, wildlife viewing and amazing views of the northern lights and starry skies? It's all here! You can utilize this lot right now as your camping getaway lot on MilleLacs, and consider your future plans down the road! 100 feet of harbor frontage from this lot leads to all the fishing, boating and lake recreation you desire on highly desirable MilleLacs Lake, and on this quiet harbor you don't even have to remove your dock in the winter! Enter the lot via paved road, onto the paved driveway, with a gentle slope to the private harbor frontage that leads into mighty MilleLacs. Extensive landscaping in place with rip rap shoreline and level area at waterfront. You can enjoy immediate use on this lot with the existing seasonal park model home, which is connected to electric, private well and city sewer. There is a propane tank but is not currently hooked up; natural gas lines are at the road if desired for hookup. Extra 30amp RV outlet hookup. Huge 12x16 shed w/loft + 2nd shed. This seller has loved this property for many years, now it is your turn! With acceptable offer seller will consider removing the park model.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2007
Type & Style
- Home type: MobileManufactured
- Property subType: Manufactured Home
Interior
Appliances
- Appliances included: Range,Refrigerator
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- 3/4 bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 364
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Wall Unit(s)
Interior Area
- Total structure area: 364
- Total interior livable area: 364 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 099760170
- Zoning description: Shoreline
- Foundation area: 364
Features
- Levels: One
- Stories: 1
- Has view: Yes
- View description: Harbor,Lake
- Has water view: Yes
- Water view: Harbor,Lake
- On waterfront: Yes
- Waterfront features: Channel Shore,Dock,Lake Front,Lake View,Waterfront Elevation(0-4),Lake Bottom(Soft,Weeds)
- Frontage length: Water Frontage: 100
Lot
- Lot size: 0.65 Acres
- Features: Accessible Shoreline,Tree Coverage - Medium
- Lot size dimensions: 120 x 253 x 100 x 264
Parking
- Parking features: Asphalt
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Inland Flooding
- Strong Wind
- Hail
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Mille Lacs County and Minnesota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $818 | $9,816 |
| Home Insurance * | $111 | $1,332 |
| Property Taxes | $129 | $1,548 |
| Electricity | $170 | $2,050 |
| Total | $1,228 | $14,736 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-18 | Price change | $161,900 |
| 2025-08-23 | Listed for sale | $162,200 |
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