105 Cedar St N, Onamia, MN 56359 Property Records

Mille Lacs County property record for 105 Cedar St N, Onamia, MN 56359

Property Summary

Property Type	Commercial
Details	3,672 sqft · built 1970
Lot Size	0.149 acres (6,498 sqft)
Owner	Company Name on File
Last Sale	$123,000 (Jul 2025)
Tax Bill	$1,014 (2026)
Deeds & Mortgages	Feb 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-041-0410`

Property Details

APN / Parcel Number

Primary APN	`22-041-0410`

Interior

Building Area	3,672 sqft Total Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	6,498 sqft (0.149 acres)

Location & Zoning

Street Address	105 CEDAR ST N
City	ONAMIA
State	MN
Zip	56359-8900
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	& LOT 4 BLK 6
Legal Range	26
Legal Township	42
Legal Section	31
Legal Subdivision	NEW ONAMIA
Legal Block	6
Legal Lot Number	3
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1078
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	Company Name on File
Mailing Address	15121 319TH AVE NW, PRINCETON, MN 55371-8445
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2025 · Amount on File
Deed Sale	Jul 9, 2025 · Amount on File
Prior Sale	Apr 2, 2014 · Amount on File
Deed Document Number	2025446857
Prior Transfer Date	Nov 23, 2010
Prior Transfer Doc	A365263
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	105 CEDAR ST N, ONAMIA, MN 56359-8900
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28811 100TH ST NW, ZIMMERMAN, MN 55398-9584

Mortgage

Document Number	000A439913
Date	Feb 9, 2024
Instrument	A439913

Lender

Name	STEARNS BANK NA
Type	Bank
Address	PINE CITY, MN 55063

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Feb 20, 2027

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	$1,014.00 (-14.79%)	$44,000 (+16.71%) Land $14,600 Building $29,400	$44,000 (+16.71%) Land $14,600 Building $29,400
2025		$37,700 (-36.42%) Land $13,000 Building $24,700	$37,700 (-36.42%) Land $13,000 Building $24,700
2023	$1,190.00	$59,300 Land $9,800 Building $49,500	$59,300 Land $9,800 Building $49,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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