309 Cedar St N, Onamia, MN 56359 Property Records

Mille Lacs County property record for 309 Cedar St N, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	1,190 sqft · built 1940
Lot Size	0.328 acres (14,296 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Aug 2024)
Tax Bill	$1,412 (2026)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-041-1800`

Property Details

APN / Parcel Number

Primary APN	`22-041-1800`

Interior

Building Area	1,190 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	14,296 sqft (0.328 acres)
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Deck Area	64 sqft

Location & Zoning

Street Address	309 CEDAR ST N
City	ONAMIA
State	MN
Zip	56359-2339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& LOTS 20 - 22 BLK 20 & S 1/2 OF VAC ALLEY ADJ LOT 22
Legal Range	26
Legal Township	42
Legal Section	31
Legal Subdivision	NEW ONAMIA
Legal Block	20
Legal Lot Number	19
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1008
Census Tract	970200

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	Individual Name on Record
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2024 · Amount on Record
Deed Sale	Aug 1, 2024 · Amount on Record
Prior Sale	Nov 13, 2019 · Amount on Record
Deed Document Number	2024442069
Last Transfer Date	Sep 20, 2024
Transfer Doc	0000442836
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Nov 13, 2019
Property Address	309 CEDAR ST N, ONAMIA, MN 56359-2339
Document Number	A414244
Instrument Date	Oct 24, 2019
Instrument	A414244
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	SHERBURNE COUNTY ABSTRACT &

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233.97
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 CEDAR ST N, ONAMIA, MN 56359-2339

Mortgage

Document Number	A414245
Date	Nov 13, 2019
Instrument	A414245

Lender

Name	HIWAY FCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.75%

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 4, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,412.00 (-14.01%)	$165,100 (+46.5%) Land $32,000 Building $133,100	$165,100 (+46.5%) Land $32,000 Building $133,100
2025		$112,700 (-24.97%) Land $19,400 Building $93,300	$112,700 (-24.97%) Land $19,400 Building $93,300
2023	$1,642.00	$150,200 Land $19,100 Building $131,100	$150,200 Land $19,100 Building $131,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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