202 Pine St N, Onamia, MN 56359 Property Records

Mille Lacs County property record for 202 Pine St N, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	1,449 sqft · built 1940
Lot Size	0.482 acres (20,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,000 (Oct 2022)
Tax Bill	$2,210 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-041-0360`

Property Details

APN / Parcel Number

Primary APN	`22-041-0360`

Interior

Building Area	1,449 sqft Living Area
Basement Area	975 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	20,994 sqft (0.482 acres)
Garage Type	Mixed
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	202 PINE ST N
City	ONAMIA
State	MN
Zip	56359-2068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EX N 10 FT OF & ALL OF LOTS 17 & 18 BLK 5
Legal Range	26
Legal Township	42
Legal Section	31
Legal Subdivision	NEW ONAMIA
Legal Block	5
Legal Lot Number	16
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1073
Census Tract	970200

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	PO BOX 345, ONAMIA, MN 56359-0345
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Deed Document Number	2022433693
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 25, 2022
Property Address	202 PINE ST N, ONAMIA, MN 56359-2068
Document Number	000A433693
Instrument Date	Oct 19, 2022
Instrument	A433693
Transaction Type	Transfer
Record Updated	Jan 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$584.10
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	202 PINE ST N, ONAMIA, MN 56359-2068

Mortgage

Document Number	000A433694
Date	Oct 25, 2022
Instrument	A433694

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,210.00 (-22.13%)	$206,800 (+34.64%) Land $33,800 Building $173,000	$206,800 (+34.64%) Land $33,800 Building $173,000
2025		$153,600 (-24.59%) Land $21,200 Building $132,400	$153,600 (-24.59%) Land $21,200 Building $132,400
2023	$2,838.00	$203,700 Land $20,600 Building $183,100	$203,700 Land $20,600 Building $183,100

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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 124 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