Mille Lacs County property record for 11076 Cove Dr, Onamia, MN 56359
| Property Type | Single Family Home |
|---|---|
| Details | 948 sqft · built 1935 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,136 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-017-2000 |
| Primary APN | 17-017-2000 |
|---|
| Building Area | 948 sqft Total Area |
|---|---|
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Lot Area | 20,473 sqft (0.47 acres) |
| Shed | 1 Shed |
| Street Address | 11076 COVE DR |
|---|---|
| City | ONAMIA |
| State | MN |
| Zip | 56359-7802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELY 100 FT OF WLY 260 FT OF UNPLATTED PART OF GOV LOT 1, N OF PROJECTED S LINE OF BLK A OF E MURRY BEACH |
| Legal Range | 26 |
| Legal Township | 42 |
| Legal Section | 17 |
| Legal Block | A |
| Legal Lot Number | 1-N |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | SOUTH HARBOR |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 970300 |
11076 Cove Dr is owner-occupied and held in a trust since August 2024.
Source: Mille Lacs County records, as of September 4, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 11076 COVE DR, ONAMIA, MN 56359-7802 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 21, 2024 |
| Transfer Doc | 000A443181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 11076 COVE DR, ONAMIA, MN 56359-7802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A412602 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | A412602 |
| Name | FIRST NATIONAL BANK MILACA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2034 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 11076 Cove Dr was $3,136, down 1.9% from the year before.
Source: Mille Lacs County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| County Subdivision | South Harbor Township |
| Unified School District | Onamia Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,136.00 (-1.88%) | $345,700 (+0.49%) Land $229,200 Building $116,500 | $345,700 (+0.49%) Land $229,200 Building $116,500 |
| 2025 | $3,196.00 Homeowner's exemption | $344,000 Land $229,200 Building $114,800 | $344,000 Land $229,200 Building $114,800 |
| 2023 | $2,852.00 | $320,600 Land $212,100 Building $108,500 | $320,600 Land $212,100 Building $108,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11076 Cove Dr in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 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 risk around 11076 Cove Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 61% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.03% 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Midco Cable | 250 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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