104 Birch St N, Onamia, MN 56359 Property Records

Mille Lacs County property record for 104 Birch St N, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	1,232 sqft · built 1910
Lot Size	0.258 acres (11,247 sqft)
Owner	2 Individual Names on File
Last Sale	$75,500 (May 2015)
Tax Bill	$2,622 (2026)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-041-0740`

Property Details

APN / Parcel Number

Primary APN	`22-041-0740`

Interior

Building Area	1,232 sqft Total Area
Basement Area	840 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	11,247 sqft (0.258 acres)
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	104 BIRCH ST N
City	ONAMIA
State	MN
Zip	56359-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& N 1/2 LOT 5 BLK 9 & W 1/2 OF N/S ALLEY ADJ
Legal Range	26
Legal Township	42
Legal Section	31
Legal Subdivision	NEW ONAMIA
Legal Block	9
Legal Lot Number	4
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1077
Census Tract	970200

Owner

104 Birch St N is owned by two individuals who bought it in May 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 514, ONAMIA, MN 56359-0514
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2015 · Amount on File
Deed Sale	May 28, 2015 · Amount on File
Prior Sale	Aug 5, 2011 · Amount on File
Deed Document Number	2015365662
Prior Transfer Date	Nov 15, 2012
Prior Transfer Doc	A376496
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	104 BIRCH ST N, ONAMIA, MN 56359-2714
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A425951
Date	Jul 30, 2021
Instrument	A425951

Lender

Name	WOODLANDS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 104 Birch St N was $2,622, down 10.9% from the year before.

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	$2,622.00 (-10.94%)	$190,200 (+30.81%) Land $31,000 Building $159,200	$190,200 (+30.81%) Land $31,000 Building $159,200
2025	$2,944.00	$145,400 Land $18,800 Building $126,600	$145,400 Land $18,800 Building $126,600
2023	$2,906.00	$195,100 Land $18,600 Building $176,500	$195,100 Land $18,600 Building $176,500

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

Flood

FEMA maps place 104 Birch St N in Zone X, an area of minimal flood risk.

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

Wildfire risk around 104 Birch St N is low, with a 0.02% annual chance of 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	Indirect within ember reach

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 149 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