28805 140th Ave, Onamia, MN 56359 Property Records

Mille Lacs County property record for 28805 140th Ave, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	832 sqft · built 1923
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,652 (2026)
Deeds & Mortgages	Dec 2023 Second Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-016-0100`

Property Details

APN / Parcel Number

Primary APN	`04-016-0100`

Interior

Building Area	832 sqft Total Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Lot Area	1,742,400 sqft (40 acres)
Garage Area	1,680 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Deck Area	36 sqft

Location & Zoning

Street Address	28805 140TH AVE
City	ONAMIA
State	MN
Zip	56359-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE OF NE 16 40 27 40.00
Legal Range	27
Legal Township	40
Legal Section	16
Jurisdiction	MILLE LACS MN
Township / Civil Division	DAILEY
Census Block Group	1
Census Block	1001
Census Tract	970300

Owner

28805 140th Ave is owned and occupied by two individuals who acquired it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	28805 140TH AVE, ONAMIA, MN 56359-2135
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPIRE CU
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage WOODLANDS NATIONAL BANK
May 27, 2020	Quit Claim Deed, Transfer · Conventional Mortgage WOODLANDS NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 14, 2020
Transfer Doc	0000417242
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	28805 140TH AVE, ONAMIA, MN 56359-2135
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	T M TITLE SERVICES INC, C U TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A439032
Date	Dec 5, 2023
Instrument	A439032

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2033

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	28805 140TH AVE, ONAMIA, MN 56359-2135
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A417165
Date	May 21, 2020
Instrument	A417165

Lender

Name	WOODLANDS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MILLE LACS MN
Recording Date	May 27, 2020
Property Address	28805 140TH AVE, ONAMIA, MN 56359-2135
Document Number	000A417242
Instrument Date	May 14, 2020
Instrument	A417242
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$1.65
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	28805 140TH AVE, ONAMIA, MN 56359-2135

Mortgage

Document Number	A417165
Date	May 21, 2020
Instrument	A417165

Lender

Name	WOODLANDS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 28805 140th Ave was $1,652.

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	$1,652.00	$274,100 (+5.95%) Land $114,800 Building $159,300	$274,100 (+5.95%) Land $114,800 Building $159,300
2025		$258,700 Land $103,100 Building $155,600	$258,700 Land $103,100 Building $155,600
2023	$1,712.00	$251,500 Land $95,000 Building $156,500	$251,500 Land $95,000 Building $156,500

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

Flood

FEMA maps place 28805 140th Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 28805 140th Ave is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% 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 2 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

Nearby Properties on 140th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures