103 Oak St N, Onamia, MN 56359 Property Records

Mille Lacs County property record for 103 Oak St N, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	2,008 sqft · built 1976
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,020 (2026)
Flood Zone	Zone X (minimal risk)
APN	`22-031-0800`

Property Details

APN / Parcel Number

Primary APN	`22-031-0800`

Interior

Building Area	2,008 sqft Total Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	13,939 sqft (0.32 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Location & Zoning

Street Address	103 OAK ST N
City	ONAMIA
State	MN
Zip	56359-7900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF ONAMIA BEG 20' NW'LY OF NE COR OF NEW ONAMIA BLK 2, N 100 FT TO PT OF BEG, CONT N 100 FT, W
Legal Range	26
Legal Township	42
Legal Section	31
Legal Block	2
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1005
Census Tract	970200

Owner

Source: Mille Lacs County records, as of September 4, 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	2 Individual Names on Record
Mailing Address	103 OAK ST N, ONAMIA, MN 56359-7900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

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	$3,020.00 (-14.74%)	$245,300 (+25.6%) Land $31,900 Building $213,400	$245,300 (+25.6%) Land $31,900 Building $213,400
2025		$195,300 (-24.8%) Land $19,600 Building $175,700	$195,300 (-24.8%) Land $19,600 Building $175,700
2023	$3,542.00	$259,700 Land $19,300 Building $240,400	$259,700 Land $19,300 Building $240,400

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