10353 320th St, Onamia, MN 56359 Property Records

Mille Lacs County property record for 10353 320th St, Onamia, MN 56359

Property Summary

Property Type	Mobile Home
Details	4,076 sqft · built 2002
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$186,300 (Jun 2018)
Tax Bill	$1,942 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-028-0104`

Property Details

APN / Parcel Number

Primary APN	`14-028-0104`

Interior

Building Area	4,076 sqft Total Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Lot Area	435,600 sqft (10 acres)
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces
Deck Area	562 sqft

Location & Zoning

Street Address	10353 320TH ST
City	ONAMIA
State	MN
Zip	56359-2892
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	W 330 OF E 1980 FT OF N 1/2 OF NE 28 41 26 10.00
Legal Range	26
Legal Township	41
Legal Section	28
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	3
Census Block	3015
Census Tract	970300

Owner

Source: Mille Lacs County records, as of September 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10353 320TH ST, ONAMIA, MN 56359-2892
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Jun 29, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG & EQUITY CONSULT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Deed Document Number	2018406831
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	10353 320TH ST, ONAMIA, MN 56359-2892
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A432045
Date	Jul 7, 2022
Instrument	A432045

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 29, 2018
Property Address	10353 320TH ST, ONAMIA, MN 56359-2892
Document Number	A406831
Instrument Date	Jun 1, 2018
Instrument	A406831
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$614.79
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	10353 320TH ST, ONAMIA, MN 56359-2892

Mortgage

Document Number	A406832
Date	Jun 29, 2018
Instrument	A406832

Lender

Name	AMERICAN MTG & EQUITY CONSULT
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed 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
County Subdivision	Onamia Township
Unified School District	Onamia Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,942.00 (+10.72%)	$248,400 (+11.04%) Land $83,000 Building $165,400	$248,400 (+11.04%) Land $83,000 Building $165,400
2025		$223,700 (-8.36%) Land $74,500 Building $149,200	$223,700 (-8.36%) Land $74,500 Building $149,200
2023	$1,754.00	$244,100 Land $64,000 Building $180,100	$244,100 Land $64,000 Building $180,100

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
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	Moderate above 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on 320th St

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