10474 Stevens Rd, Onamia, MN 56359 Property Records

Mille Lacs County property record for 10474 Stevens Rd, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	2,880 sqft · built 1980
Lot Size	5.97 acres (260,053 sqft)
Owner	Individual Name on Record
Last Sale	$212,000 (Apr 2023)
Tax Bill	$4,270 (2026)
Deeds & Mortgages	Apr 2023 Sale Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-028-0801`

Property Details

APN / Parcel Number

Primary APN	`17-028-0801`

Interior

Building Area	2,880 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	260,053 sqft (5.97 acres)
Garage Area	4,365 sqft
Parking Spaces	14 Parking Spaces

Location & Zoning

Street Address	10474 STEVENS RD
City	ONAMIA
State	MN
Zip	56359-2556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 650 FT OF W 400 FT OF SW OF SE SEE 4/5/93 SKETCH 28 42 26 5.97
Legal Range	26
Legal Township	42
Legal Section	28
Jurisdiction	MILLE LACS MN
Township / Civil Division	SOUTH HARBOR
Census Block Group	2
Census Block	2029
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	10474 STEVENS RD, ONAMIA, MN 56359-2556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Warranty Deed, Transfer LAWYERS TITLE SERVICES LLC
Sep 19, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK MILACA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2023 · Amount on Record
Deed Sale	Apr 7, 2023 · Amount on Record
Prior Sale	Sep 19, 2018 · Amount on Record
Deed Document Number	2023435760
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Apr 7, 2023
Property Address	10474 STEVENS RD, ONAMIA, MN 56359-2556
Document Number	000A435760
Instrument Date	Mar 23, 2023
Instrument	A435760
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	LAWYERS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$699.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10474 STEVENS RD, ONAMIA, MN 56359-2556

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Sep 19, 2018
Property Address	10474 STEVENS RD, ONAMIA, MN 56359-2556
Document Number	A408158
Instrument Date	Aug 28, 2018
Instrument	A408158
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3187 VIEWPOINT RD, ISLE, MN 56342-9661

Mortgage

Document Number	A408159
Date	Sep 19, 2018
Instrument	A408159

Lender

Name	FIRST NATIONAL BANK MILACA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Aug 28, 2021

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	South Harbor Township
Unified School District	Onamia Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,270.00 (+13.32%)	$453,700 (+3.8%) Land $80,800 Building $372,900	$453,700 (+3.8%) Land $80,800 Building $372,900
2025		$437,100 (+4.8%) Land $74,900 Building $362,200	$437,100 (+4.8%) Land $74,900 Building $362,200
2023	$3,768.00	$417,100 Land $82,600 Building $334,500	$417,100 Land $82,600 Building $334,500

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 48% of the US · above 78% 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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stevens Rd

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