10725 290th St, Onamia, MN 56359 Property Records

Mille Lacs County property record for 10725 290th St, Onamia, MN 56359

Property Summary

Property Type	Seasonal / Vacation Home
Details	built 2004
Lot Size	80 acres (3,484,800 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Aug 2023)
Tax Bill	$2,026 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Sep 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`13-018-0400`

Property Details

APN / Parcel Number

Primary APN	`13-018-0400`

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	3,484,800 sqft (80 acres)
Porch	Slab
Cabin	440 sqft

Location & Zoning

Street Address	10725 290TH ST
City	ONAMIA
State	MN
Zip	56359
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	E 1/2 OF NW 18 40 26 80.00
Legal Range	26
Legal Township	40
Legal Section	18
Jurisdiction	MILLE LACS MN
Township / Civil Division	MUDGETT
Census Block Group	3
Census Block	3049
Census Tract	970300

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 Record
Mailing Address	2335 MARYLAND AVE E, SAINT PAUL, MN 55119-3123
Owner Type	Company
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Warranty Deed, Transfer · Conventional Mortgage HIWAY CU
Sep 11, 2023	Intrafamily Transfer, Transfer ARDEN TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Deed Document Number	2023437677
Prior Transfer Date	Jun 30, 2023
Prior Transfer Doc	000A437845
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Aug 29, 2023
Property Address	10725 290TH ST, ONAMIA, MN 56359
Document Number	000A437677
Instrument Date	Jul 26, 2023
Instrument	A437677
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	ARDEN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2335 MARYLAND AVE E, MAPLEWOOD, MN 55119-3123

Mortgage

Document Number	000A437678
Date	Aug 29, 2023
Instrument	A437678

Lender

Name	HIWAY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	12.5%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLE LACS MN
Recording Date	Sep 11, 2023
Property Address	10725 290TH ST, ONAMIA, MN 56359
Document Number	000A437845
Instrument Date	Jun 30, 2023
Instrument	A437845
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	ARDEN TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10725 290TH ST, ONAMIA, MN 56359

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	Mudgett Township
Unified School District	Onamia Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,026.00 (+1.81%)	$276,600 (+15.83%) Land $243,400 Building $33,200	$276,600 (+15.83%) Land $243,400 Building $33,200
2025	$1,990.00 (+35.01%)	$238,800 (+25.03%) Land $207,600 Building $31,200	$238,800 (+25.03%) Land $207,600 Building $31,200
2023	$1,474.00	$191,000 Land $161,800 Building $29,200	$191,000 Land $161,800 Building $29,200

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 43% of the US · above 73% 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 2 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

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