110 Spruce St N, Onamia, MN 56359 Property Records

Mille Lacs County property record for 110 Spruce St N, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	1,240 sqft · built 1922
Lot Size	0.321 acres (13,996 sqft)
Owner	Individual Name on File
Last Sale	$123,000 (Mar 2020)
Tax Bill	$1,648 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-041-1080`

Property Details

APN / Parcel Number

Primary APN	`22-041-1080`

Interior

Building Area	1,240 sqft Living Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	13,996 sqft (0.321 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	110 SPRUCE ST N
City	ONAMIA
State	MN
Zip	56359-2852
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& LOT 8 BLK 12
Legal Range	26
Legal Township	42
Legal Section	31
Legal Subdivision	NEW ONAMIA
Legal Block	12
Legal Lot Number	7
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1067
Census Tract	970200

Owner

110 Spruce St N is owned and occupied by an individual who bought it in March 2020.

Source: Mille Lacs County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	110 SPRUCE ST N, ONAMIA, MN 56359-2852
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2020 · Amount on File
Deed Sale	Mar 24, 2020 · Amount on File
Prior Sale	Oct 7, 2016 · Amount on File
Deed Document Number	2020416432
Prior Transfer Date	Mar 20, 2009
Prior Transfer Doc	354484
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Mar 24, 2020
Property Address	110 SPRUCE ST N, ONAMIA, MN 56359-2852
Document Number	A416432
Instrument Date	Mar 12, 2020
Instrument	A416432
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.90
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	110 SPRUCE ST N, ONAMIA, MN 56359-2852

Mortgage

Document Number	A416433
Date	Mar 24, 2020
Instrument	A416433

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 110 Spruce St N was $1,648, down 18.3% from the year before.

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	$1,648.00 (-18.33%)	$159,500 (+27.8%) Land $31,900 Building $127,600	$159,500 (+27.8%) Land $31,900 Building $127,600
2025	$2,018.00 Homeowner's exemption	$124,800 Land $19,600 Building $105,200	$124,800 Land $19,600 Building $105,200
2023	$2,034.00	$164,900 Land $19,300 Building $145,600	$164,900 Land $19,300 Building $145,600

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

Flood

FEMA maps place 110 Spruce St N in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 110 Spruce St N is low, with a 0.02% annual chance of 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