11632 320th St, Onamia, MN 56359 Property Records

Mille Lacs County property record for 11632 320th St, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	1,232 sqft
Lot Size	15 acres (653,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jan 2024)
Tax Bill	$3,440 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-020-0600`

Property Details

APN / Parcel Number

Primary APN	`14-020-0600`

Interior

Building Area	1,232 sqft Total Area
Basement Area	1,232 sqft

Exterior

Lot Area	653,400 sqft (15 acres)
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Deck Area	288 sqft

Location & Zoning

Street Address	11632 320TH ST
City	ONAMIA
State	MN
Zip	56359-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 973 FT OF S 640 FT OF E 1/2 OF SW SEC 20 & PART OF SEC 29 DESC AS W 973 FT OF N 33 FT OF NE OF NW SEE 6/6/11 SKETCH
Legal Range	26
Legal Township	41
Legal Section	20
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	3
Census Block	3016
Census Tract	970300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11632 320TH ST, ONAMIA, MN 56359-2920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2024 · Amount on Record
Deed Sale	Jan 25, 2024 · Amount on Record
Prior Sale	Jul 20, 2011 · Amount on Record
Deed Document Number	2024439686
Prior Transfer Date	Jul 1, 2011
Prior Transfer Doc	000A368428
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jan 25, 2024
Property Address	11632 320TH ST, ONAMIA, MN 56359-2920
Document Number	000A439686
Instrument Date	Jan 19, 2024
Instrument	A439686
Transaction Type	Transfer
Record Updated	Feb 15, 2024
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.00
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	11632 320TH ST, ONAMIA, MN 56359-2920

Mortgage

Document Number	000A439687
Date	Jan 25, 2024
Instrument	A439687

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,440.00 (+9.48%)	$390,900 (+6.45%) Land $95,000 Building $295,900	$390,900 (+6.45%) Land $95,000 Building $295,900
2025	$3,142.00 (+2.88%) Homeowner's exemption	$367,200 (-1.24%) Land $85,000 Building $282,200	$367,200 (-1.24%) Land $85,000 Building $282,200
2023	$3,054.00	$371,800 Land $74,000 Building $297,800	$371,800 Land $74,000 Building $297,800

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 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.06% 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 6 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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