Mille Lacs County property record for 306 Cedar St S, Onamia, MN 56359
| Property Type | Single Family Home |
|---|---|
| Details | 656 sqft · built 1935 |
| Lot Size | 0.617 acres (26,908 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $72,000 (Apr 2019) |
| Tax Bill | $1,470 (2026) |
| Deeds & Mortgages | Jan 2024 Mortgage Apr 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-920-0290 |
| Primary APN | 22-920-0290 |
|---|
| Building Area | 656 sqft Total Area |
|---|
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Lot Area | 26,908 sqft (0.617 acres) |
| Shed | 1 Shed |
| Street Address | 306 CEDAR ST S |
|---|---|
| City | ONAMIA |
| State | MN |
| Zip | 56359-4011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EX N 50 FT |
| Legal Range | 26 |
| Legal Township | 41 |
| Legal Section | 06 |
| Legal Subdivision | WAY'S SUBDIVISION |
| Legal Lot Number | 18 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | ONAMIA |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 970200 |
Source: Mille Lacs County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2024 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 27, 2022 | Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD |
| Feb 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WOODLANDS NATIONAL BANK |
| Feb 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WOODLANDS NATIONAL BANK |
| Apr 1, 2019 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG & EQUITY CONSULT |
| Oct 15, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2019 · Amount on Record |
| Deed Sale | Apr 1, 2019 · Amount on Record |
| Prior Sale | May 6, 2010 · Amount on Record |
| Deed Document Number | 2019410896 |
| Prior Transfer Date | Mar 19, 2010 |
| Prior Transfer Doc | A361282 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Document Number | 000A439440 |
|---|---|
| Date | Jan 4, 2024 |
| Instrument | A439440 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000A430965 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | A430965 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | A410447 |
|---|---|
| Date | Feb 22, 2019 |
| Instrument | A410447 |
| Name | WOODLANDS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 1, 2024 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A410447 |
|---|---|
| Date | Feb 22, 2019 |
| Instrument | A410447 |
| Name | WOODLANDS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 1, 2024 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Apr 1, 2019 |
| Property Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Document Number | A410896 |
| Instrument Date | Mar 6, 2019 |
| Instrument | A410896 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $237.60 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Document Number | A410897 |
|---|---|
| Date | Apr 1, 2019 |
| Instrument | A410897 |
| Name | AMERICAN MTG & EQUITY CONSULT |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Oct 15, 2018 |
| Property Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
| Document Number | A408582 |
| Instrument Date | Oct 13, 2018 |
| Instrument | A408582 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 306 CEDAR ST S, ONAMIA, MN 56359-4011 |
Source: Mille Lacs County assessment roll, as of September 5, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| Municipality | Onamia City |
| Unified School District | Onamia Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,470.00 (-6.84%) | ||
| 2025 | $1,578.00 (+6.33%) | $81,100 (-21.26%) Land $22,500 Building $58,600 | $81,100 (-21.26%) Land $22,500 Building $58,600 |
| 2023 | $1,484.00 | $103,000 Land $21,600 Building $81,400 | $103,000 Land $21,600 Building $81,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 57% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 149 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 |
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