Mille Lacs County property record for 316 Main St, Onamia, MN 56359
| Property Type | Commercial |
|---|---|
| Details | 2,640 sqft · built 1985 |
| Lot Size | 0.372 acres (16,245 sqft) |
| Owner | Company Name on Record |
| Last Sale | $350,000 (Oct 2023) |
| Tax Bill | $2,794 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-041-0070 |
| Primary APN | 22-041-0070 |
|---|
| Building Area | 2,640 sqft Total Area |
|---|
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 16,245 sqft (0.372 acres) |
| Porch | Slab |
| Deck Area | 960 sqft |
| Street Address | 316 MAIN ST |
|---|---|
| City | ONAMIA |
| State | MN |
| Zip | 56359-5005 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | & LOTS 2 - 5 BLK 2 |
| Legal Range | 26 |
| Legal Township | 42 |
| Legal Section | 31 |
| Legal Subdivision | NEW ONAMIA |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | ONAMIA |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 970200 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 316 MAIN ST, ONAMIA, MN 56359-5005 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 4, 2023 | Warranty Deed, Transfer · SBA Mortgage WOODLANDS NATIONAL BANK |
| Sep 18, 2019 | Limited Warranty Deed, Transfer · Conventional Mortgage WOODLANDS NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2023 · Amount on Record |
| Deed Sale | Oct 4, 2023 · Amount on Record |
| Prior Sale | Sep 18, 2019 · Amount on Record |
| Deed Document Number | 2023438167 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Oct 4, 2023 |
| Property Address | 316 MAIN ST, ONAMIA, MN 56359-5005 |
| Document Number | 000A438167 |
| Instrument Date | Aug 4, 2023 |
| Instrument | A438167 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 MAIN ST, ONAMIA, MN 56359-5005 |
| Document Number | 000A438168 |
|---|---|
| Date | Oct 4, 2023 |
| Instrument | A438168 |
| Name | WOODLANDS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Aug 8, 2048 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Sep 18, 2019 |
| Property Address | 316 MAIN ST, ONAMIA, MN 56359-5005 |
| Document Number | 000A413257 |
| Instrument Date | May 21, 2019 |
| Instrument | A413257 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 MAIN ST, ONAMIA, MN 56359-5005 |
| Document Number | 000A413258 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | A413258 |
| Name | WOODLANDS NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 21, 2039 |
| Rate Type | Fixed Rate |
|---|
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 | $2,794.00 (+10.09%) | $118,000 (+12.49%) Land $36,600 Building $81,400 | $118,000 (+12.49%) Land $36,600 Building $81,400 |
| 2025 | $2,538.00 (+16.74%) | $104,900 (+2.44%) Land $32,500 Building $72,400 | $104,900 (+2.44%) Land $32,500 Building $72,400 |
| 2023 | $2,174.00 | $102,400 Land $24,400 Building $78,000 | $102,400 Land $24,400 Building $78,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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