Mille Lacs County property record for 306 Spruce St N, Onamia, MN 56359
| Property Type | Single Family Home |
|---|---|
| Details | 820 sqft · built 1940 |
| Lot Size | 0.16 acres (6,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Jul 2023) |
| Tax Bill | $1,154 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-041-1550 |
| Primary APN | 22-041-1550 |
|---|
| Building Area | 820 sqft Living Area |
|---|
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 6,998 sqft (0.16 acres) |
| Garage Area | 200 sqft |
| Porch | Slab |
| Street Address | 306 SPRUCE ST N |
|---|---|
| City | ONAMIA |
| State | MN |
| Zip | 56359-2850 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 26 |
| Legal Township | 42 |
| Legal Section | 31 |
| Legal Subdivision | NEW ONAMIA |
| Legal Block | 18 |
| Legal Lot Number | 9 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | ONAMIA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 970200 |
306 Spruce St N is owned and occupied by two individuals who bought it in July 2023.
Source: Mille Lacs County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 306 SPRUCE ST N, ONAMIA, MN 56359-2850 |
| 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.
| Date | Document |
|---|---|
| Aug 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage SPIRE CU |
| Nov 4, 2020 | Warranty Deed, Transfer · Conventional Mortgage MEGASTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2023 · Amount on File |
| Deed Sale | Jul 28, 2023 · Amount on File |
| Prior Sale | Nov 4, 2020 · Amount on File |
| Deed Document Number | 20231561943 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Aug 7, 2023 |
| Property Address | 306 SPRUCE ST N, ONAMIA, MN 56359-2850 |
| Document Number | 000A437405 |
| Instrument Date | Jul 28, 2023 |
| Instrument | A437405 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2023 |
| Title Company | RESULTS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 306 SPRUCE ST N, ONAMIA, MN 56359-2850 |
| Document Number | 000A437406 |
|---|---|
| Date | Aug 7, 2023 |
| Instrument | A437406 |
| Name | SPIRE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Nov 4, 2020 |
| Property Address | 306 SPRUCE ST N, ONAMIA, MN 56359-2850 |
| Document Number | 000A420316 |
| Instrument Date | Jun 25, 2020 |
| Instrument | A420316 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2023 |
| Title Company | ESQUIRE TITLE, ESQUIRE TTITLE SERVICE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 306 SPRUCE ST N, ONAMIA, MN 56359-2850 |
| Document Number | 000A420317 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | A420317 |
| Name | MEGASTAR FINANCIAL CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 306 Spruce St N was $1,154.
Source: Mille Lacs County assessment roll, as of September 4, 2026
| 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 | $1,154.00 | $127,000 (+27.77%) Land $30,000 Building $97,000 | $127,000 (+27.77%) Land $30,000 Building $97,000 |
| 2025 | $99,400 Land $18,000 Building $81,400 | $99,400 Land $18,000 Building $81,400 | |
| 2023 | $1,480.00 | $129,800 Land $18,000 Building $111,800 | $129,800 Land $18,000 Building $111,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 306 Spruce St N in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 306 Spruce 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.
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 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 |
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