Mille Lacs County property record for 11209 Cove Dr, Onamia, MN 56359
| Property Type | Single Family Home |
|---|---|
| Details | 1,068 sqft · built 1981 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Dec 2022) |
| Tax Bill | $1,876 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage Dec 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-245-0020 |
| Primary APN | 17-245-0020 |
|---|
| Building Area | 1,068 sqft Living Area |
|---|---|
| Basement Area | 750 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Area | 1 sqft |
| Porch | Slab |
| Deck Area | 64 sqft |
| Street Address | 11209 COVE DR |
|---|---|
| City | ONAMIA |
| State | MN |
| Zip | 56359-7800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 26 |
| Legal Township | 42 |
| Legal Section | 17 |
| Legal Subdivision | ERICKSON ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | SOUTH HARBOR |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 970300 |
11209 Cove Dr is owned and occupied by two individuals who bought it in December 2022.
Source: Mille Lacs County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11209 COVE DR, ONAMIA, MN 56359-7800 |
| 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.
| Date | Document |
|---|---|
| Feb 1, 2024 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Dec 20, 2022 | Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Sep 3, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2022 · Amount on File |
| Deed Sale | Dec 20, 2022 · Amount on File |
| Deed Document Number | 2022434422 |
| Prior Transfer Date | Aug 26, 2019 |
| Prior Transfer Doc | 000A412974 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 11209 COVE DR, ONAMIA, MN 56359-7800 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2024 |
| Title Company | VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 000A439789 |
|---|---|
| Date | Feb 1, 2024 |
| Instrument | A439789 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Dec 20, 2022 |
| Property Address | 11209 COVE DR, ONAMIA, MN 56359-7800 |
| Document Number | 000A434422 |
| Instrument Date | Oct 21, 2022 |
| Instrument | A434422 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | HOME SECURITY ABSTRACT & TIT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,105.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 11209 COVE DR, ONAMIA, MN 56359-7800 |
| Document Number | 000A434423 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | A434423 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Sep 3, 2019 |
| Property Address | 11209 COVE DR, ONAMIA, MN 56359-7800 |
| Document Number | 000A412974 |
| Instrument Date | Aug 26, 2019 |
| Instrument | A412974 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Tax | $1.65 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11182 COVE DR, ONAMIA, MN 56359-7803 |
The 2026 property tax bill for 11209 Cove Dr was $1,876, down 12.8% 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 | $1,876.00 (-12.83%) | $210,500 (+3.95%) Land $48,600 Building $161,900 | $210,500 (+3.95%) Land $48,600 Building $161,900 |
| 2025 | $2,152.00 | $202,500 Land $46,500 Building $156,000 | $202,500 Land $46,500 Building $156,000 |
| 2023 | $1,996.00 | $214,100 Land $42,400 Building $171,700 | $214,100 Land $42,400 Building $171,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11209 Cove Dr 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 AE, 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 risk around 11209 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 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Midco Cable | 250 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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