207 Cedar St N, Onamia, MN 56359 Property Records

Mille Lacs County property record for 207 Cedar St N, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	840 sqft · built 1945
Lot Size	0.186 acres (8,123 sqft)
Owner	Individual Name on File
Last Sale	$82,900 (Oct 2017)
Tax Bill	$1,080 (2026)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-041-0310`

Property Details

APN / Parcel Number

Primary APN	`22-041-0310`

Interior

Building Area	840 sqft Total Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	8,123 sqft (0.186 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	207 CEDAR ST N
City	ONAMIA
State	MN
Zip	56359-9001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& LOT 8 BLK 5 & N 12 1/2 FT OF LOT 6 BLK 5
Legal Range	26
Legal Township	42
Legal Section	31
Legal Subdivision	NEW ONAMIA
Legal Block	5
Legal Lot Number	7
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1074
Census Tract	970200

Owner

207 Cedar St N is owned by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 265, ONAMIA, MN 56359-0265
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	Oct 16, 2017 · Amount on File
Deed Sale	Oct 16, 2017 · Amount on File
Prior Sale	Jul 14, 2011 · Amount on File
Deed Document Number	2017403026
Record Updated	Oct 29, 2026

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Oct 16, 2017
Property Address	207 CEDAR ST N, ONAMIA, MN 56359-9001
Document Number	A403026
Instrument Date	Oct 13, 2017
Instrument	A403026
Transaction Type	Transfer
Record Updated	Aug 23, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.57
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	207 CEDAR ST N, ONAMIA, MN 56359-9001

Mortgage

Document Number	A403027
Date	Oct 16, 2017
Instrument	A403027

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 207 Cedar St N was $1,080.

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	$1,080.00	$123,700 (+29.39%) Land $30,400 Building $93,300	$123,700 (+29.39%) Land $30,400 Building $93,300
2025		$95,600 Land $18,300 Building $77,300	$95,600 Land $18,300 Building $77,300
2023	$1,382.00	$123,700 Land $18,200 Building $105,500	$123,700 Land $18,200 Building $105,500

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

Flood

FEMA maps place 207 Cedar 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 207 Cedar 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	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