104 Spruce St S, Onamia, MN 56359 Property Records

Mille Lacs County property record for 104 Spruce St S, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	651 sqft · built 1945
Lot Size	0.16 acres (6,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Oct 2017)
Tax Bill	$1,382 (2026)
Deeds & Mortgages	Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`22-041-1180`

Property Details

APN / Parcel Number

Primary APN	`22-041-1180`

Interior

Building Area	651 sqft Living Area
Gross Area	656 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	6,998 sqft (0.16 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	112 sqft

Location & Zoning

Street Address	104 SPRUCE ST S
City	ONAMIA
State	MN
Zip	56359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	26
Legal Township	42
Legal Section	31
Legal Subdivision	NEW ONAMIA
Legal Block	13
Legal Lot Number	10
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1066
Census Tract	970200

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	2 Individual Names on Record
Mailing Address	38389 US HIGHWAY 169, ONAMIA, MN 56359-7905
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2017 · Amount on Record
Deed Sale	Oct 23, 2017 · Amount on Record
Prior Sale	Jan 5, 2005 · Amount on Record
Deed Document Number	2017403156
Prior Transfer Date	Aug 14, 2012
Prior Transfer Doc	A374814
Record Updated	Oct 29, 2026

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 23, 2017
Property Address	104 SPRUCE ST S, ONAMIA, MN 56359
Document Number	A403156
Instrument Date	Oct 18, 2017
Instrument	A403156
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$66.00
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	38389 US HIGHWAY 169, ONAMIA, MN 56359-7905

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	$1,382.00 (-8.23%)	$148,800 (+95.02%) Land $30,000 Building $118,800	$148,800 (+95.02%) Land $30,000 Building $118,800
2025	$1,506.00 (+3.86%)	$76,300 (-22.46%) Land $18,000 Building $58,300	$76,300 (-22.46%) Land $18,000 Building $58,300
2023	$1,450.00	$98,400 Land $18,000 Building $80,400	$98,400 Land $18,000 Building $80,400

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
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	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