306 Cherry Ln S, Onamia, MN 56359 Property Records

Mille Lacs County property record for 306 Cherry Ln S, Onamia, MN 56359 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,084 sqft · built 1935
Lot Size	0.278 acres (12,147 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,380 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-040-0190`

Property Details

APN / Parcel Number

Primary APN	`22-040-0190`

Interior

Building Area	1,084 sqft Living Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Lot Area	12,147 sqft (0.278 acres)
Garage Type	Mixed
Garage Area	1,364 sqft
Parking Spaces	5 Parking Spaces
Deck Area	312 sqft

Location & Zoning

Street Address	306 CHERRY LN S
City	ONAMIA
State	MN
Zip	56359-4000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& S 1/2 OF VAC ALLEY ADJ
Legal Range	26
Legal Township	41
Legal Section	06
Legal Subdivision	REARRANGEMENT OF AND ADDITION TO ONAMIA
Legal Block	6
Legal Lot Number	9
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1047
Census Tract	970200

Owner

Source: Mille Lacs County records · APN 22-040-0190

Assessment roll updated September 5, 2025 · Last verified July 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 File
Mailing Address	306 CHERRY LN S, ONAMIA, MN 56359-4000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 07, 2022	Deed, Transfer · FHA Mortgage GOLDWATER BANK NA
May 23, 2019	Warranty Deed, Transfer EAST CENTRAL TITLE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 14, 2025
Deed Sale	Aug 14, 2025
Prior Sale	Jun 07, 2022 · Amount on Record
Deed Document Number	2025447482
Prior Transfer Date	Jul 28, 2025
Prior Transfer Doc	000A447482
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	306 CHERRY LN S, ONAMIA, MN 56359-4000
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 CHERRY LN S, ONAMIA, MN 56359-4000

Mortgage

Document Number	000A439951
Date	Feb 13, 2024
Instrument	A439951

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Jun 01, 2052

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jun 07, 2022
Property Address	306 CHERRY LN S, ONAMIA, MN 56359-4000
Document Number	000A431633
Instrument Date	May 25, 2022
Instrument	A431633
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	ALL AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$488.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 CHERRY LN S, ONAMIA, MN 56359-4000

Mortgage

Document Number	000A431634
Date	Jun 07, 2022
Instrument	A431634

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	May 23, 2019
Property Address	306 CHERRY LN S, ONAMIA, MN 56359-4000
Document Number	A411516
Instrument Date	May 21, 2019
Instrument	A411516
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	EAST CENTRAL TITLE LLC

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 CHERRY LN S, 306, ONAMIA, MN 56359-4000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	306 CHERRY LN S, ONAMIA, MN 56359-4000

Tax Assessment & Valuation

Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,380.00 (-19.58%)
2025	$1,716.00 (+6.98%) Homeowner's exemption	$111,100 (-23.7%) Land $19,200 Building $91,900	$111,100 (-23.7%) Land $19,200 Building $91,900
2023	$1,604.00	$145,600 Land $19,000 Building $126,600	$145,600 Land $19,000 Building $126,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mille Lacs County (27095C), updated March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270959702001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 149 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	250 / 20

May also be available at this address: Midcontinent Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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