28746 140th Ave, Onamia, MN 56359 Property Records

Mille Lacs County property record for 28746 140th Ave, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	1,116 sqft · built 1979
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,500 (Jul 2021)
Tax Bill	$2,046 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Aug 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-015-0201`

Property Details

APN / Parcel Number

Primary APN	`04-015-0201`

Interior

Building Area	1,116 sqft Living Area
Basement Area	1,056 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	1,488 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Deck Area	144 sqft

Location & Zoning

Street Address	28746 140TH AVE
City	ONAMIA
State	MN
Zip	56359-2136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF SW OF NW OF NW 15 40 27 5.00
Legal Range	27
Legal Township	40
Legal Section	15
Jurisdiction	MILLE LACS MN
Township / Civil Division	DAILEY
Census Block Group	1
Census Block	1001
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	28746 140TH AVE, ONAMIA, MN 56359-2136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY LLC
Aug 13, 2020	Warranty Deed, Transfer · Conventional Mortgage LAKE AREA BANK
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Jun 30, 2017	Quit Claim Deed, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT TITLE
Jun 30, 2017	Intrafamily Transfer, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2021 · Amount on Record
Deed Sale	Jul 9, 2021 · Amount on Record
Prior Sale	Aug 13, 2020 · Amount on Record
Deed Document Number	2021425569
Prior Transfer Date	Jun 3, 2017
Prior Transfer Doc	A401328
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jul 9, 2021
Property Address	28746 140TH AVE, ONAMIA, MN 56359-2136
Document Number	A425569
Instrument Date	Jun 25, 2021
Instrument	A425569
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	NETWORK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$816.75
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	28746 140TH AVE, ONAMIA, MN 56359-2136

Mortgage

Document Number	000A425570
Date	Jul 9, 2021
Instrument	A425570

Lender

Name	BAY EQUITY LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Aug 13, 2020
Property Address	28746 140TH AVE, ONAMIA, MN 56359-2136
Document Number	A418672
Instrument Date	Jul 30, 2020
Instrument	A418672
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	THE TITLE GROUP INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$706.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	28746 140TH AVE, ONAMIA, MN 56359-2136

Mortgage

Document Number	A418673
Date	Aug 13, 2020
Instrument	A418673

Lender

Name	LAKE AREA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	000A418674
Date	Aug 13, 2020
Instrument	A418674

Lender

Name	LAKE AREA BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 30, 2017
Property Address	28746 140TH AVE, ONAMIA, MN 56359-2136
Document Number	A401330
Instrument Date	Jun 27, 2017
Instrument	A401330
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28746 140TH AVE, ONAMIA, MN 56359-2136

Mortgage

Document Number	A401331
Date	Jun 30, 2017
Instrument	A401331

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 30, 2017
Property Address	28746 140TH AVE, ONAMIA, MN 56359-2136
Document Number	A401328
Instrument Date	Jun 3, 2017
Instrument	A401328
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28746 140TH AVE, ONAMIA, MN 56359-2136

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MILLE LACS MN
Recording Date	Jun 30, 2017
Property Address	28746 140TH AVE, ONAMIA, MN 56359-2136
Document Number	A401329
Instrument Date	Jun 2, 2017
Instrument	A401329
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28746 140TH AVE, ONAMIA, MN 56359-2136

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,046.00 (+0.1%)	$245,800 (+4.24%) Land $68,000 Building $177,800	$245,800 (+4.24%) Land $68,000 Building $177,800
2025	$2,044.00 (-2.29%) Homeowner's exemption	$235,800 (+3.56%) Land $62,000 Building $173,800	$235,800 (+3.56%) Land $62,000 Building $173,800
2023	$2,092.00	$227,700 Land $44,000 Building $183,700	$227,700 Land $44,000 Building $183,700

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	1 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 48% of the US · above 78% of Minnesota
Wildfire Likelihood	0.1% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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