100 Cedar St N, Onamia, MN 56359 Property Records

Mille Lacs County property record for 100 Cedar St N, Onamia, MN 56359

Property Summary

Property Type	Commercial
Details	3,096 sqft · built 1985
Lot Size	0.149 acres (6,498 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jul 2020)
Tax Bill	$3,114 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-041-0150`

Property Details

APN / Parcel Number

Primary APN	`22-041-0150`

Interior

Building Area	3,096 sqft Total Area
Office	1,656 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	6,498 sqft (0.149 acres)

Location & Zoning

Street Address	100 CEDAR ST N
City	ONAMIA
State	MN
Zip	56359
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOTS 6 BLK 3
Legal Range	26
Legal Township	42
Legal Section	31
Legal Subdivision	NEW ONAMIA
Legal Block	3
Legal Lot Number	5
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1075
Census Tract	970200

Owner

Source: Mille Lacs County records, as of September 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	13260 180TH AVE NW, ELK RIVER, MN 55330-5605
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Feb 2, 2005 · Amount on Record
Deed Document Number	2020418427
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 30, 2020
Property Address	100 CEDAR ST N, ONAMIA, MN 56359
Document Number	000A418427
Instrument Date	Jul 27, 2020
Instrument	A418427
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
Tax	$330.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13260 180TH AVE NW, ELK RIVER, MN 55330-5605

Mortgage

Document Number	000A418428
Date	Jul 30, 2020
Instrument	A418428

Lender

Name	FRANDSEN BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
Municipality	Onamia City
Unified School District	Onamia Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,114.00 (+122.43%)	$71,200 (+16.72%) Land $14,600 Building $56,600	$71,200 (+16.72%) Land $14,600 Building $56,600
2025		$61,000 (-7.29%) Land $13,000 Building $48,000	$61,000 (-7.29%) Land $13,000 Building $48,000
2023	$1,400.00	$65,800 Land $9,800 Building $56,000	$65,800 Land $9,800 Building $56,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Onamia serves 831 people · EPA ID MN1480003
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	5 ppb (2026) action level 15 ppb
Copper	1.49 mg/L (2026) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Cable · Fiber in parts of the area	250 / 20