10616 320th St, Onamia, MN 56359 Property Records

Mille Lacs County property record for 10616 320th St, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	1,344 sqft · built 1970
Lot Size	38 acres (1,655,280 sqft)
Owner	Individual Name on File
Last Sale	$257,879 (Mar 2019)
Tax Bill	$1,566 (2026)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-021-1000`

Property Details

APN / Parcel Number

Primary APN	`14-021-1000`

Interior

Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	1,655,280 sqft (38 acres)
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	10616 320TH ST
City	ONAMIA
State	MN
Zip	56359-2893
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE OF SW, EX E 4/5 OF E 1/2 OF E 1/2 OF E 1/2 OF E 1/2 21 41 26 38.00
Legal Range	26
Legal Township	41
Legal Section	21
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	3
Census Block	3016
Census Tract	970300

Owner

10616 320th St is owned and occupied by an individual who bought it in March 2019.

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	Individual Name on File
Mailing Address	10616 320TH ST, ONAMIA, MN 56359-2893
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2019 · Amount on File
Deed Sale	Mar 15, 2019 · Amount on File
Prior Sale	May 5, 2014 · Amount on File
Deed Document Number	2019410728
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Mar 15, 2019
Property Address	10616 320TH ST, ONAMIA, MN 56359-2893
Document Number	A410728
Instrument Date	Mar 8, 2019
Instrument	A410728
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.00
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	10616 320TH ST, ONAMIA, MN 56359-2893
Investor	Possibly a Property Investor

Mortgage

Document Number	000A410729
Date	Mar 15, 2019
Instrument	A410729

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10616 320th St was $1,566.

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	$1,566.00	$296,400 (+8.14%) Land $133,500 Building $162,900	$296,400 (+8.14%) Land $133,500 Building $162,900
2025		$274,100 Land $115,000 Building $159,100	$274,100 Land $115,000 Building $159,100
2023	$1,412.00	$292,400 Land $108,600 Building $183,800	$292,400 Land $108,600 Building $183,800

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

Flood

FEMA maps place 10616 320th St 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 10616 320th St is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 76% of Minnesota
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

5G and 4G LTE (outdoors only)

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