320 Oak St S, Onamia, MN 56359 Property Records

Mille Lacs County property record for 320 Oak St S, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	768 sqft · built 1955
Lot Size	0.417 acres (18,174 sqft)
Owner	Individual Name on File
Last Sale	$127,151 (Mar 2025)
Tax Bill	$1,498 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-920-0120`

Property Details

APN / Parcel Number

Primary APN	`22-920-0120`

Interior

Building Area	768 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	18,174 sqft (0.417 acres)
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	320 OAK ST S
City	ONAMIA
State	MN
Zip	56359-4014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 61 FT OF S 69 FT & E 1/2 OF S 8 FT OF LOT 7
Legal Range	26
Legal Township	41
Legal Section	06
Legal Subdivision	WAY'S SUBDIVISION
Legal Lot Number	7
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1055
Census Tract	970200

Owner

320 Oak St S is owned and occupied by an individual who bought it in March 2025.

Source: Mille Lacs County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	320 OAK ST S, ONAMIA, MN 56359-4014
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2025 · Amount on File
Deed Sale	Mar 6, 2025 · Amount on File
Prior Sale	Nov 29, 2021 · Amount on File
Deed Document Number	2025445078
Prior Transfer Date	Sep 29, 2008
Prior Transfer Doc	351904
Record Updated	Oct 29, 2026

November 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MILLE LACS MN
Recording Date	Nov 29, 2021
Property Address	320 OAK ST S, ONAMIA, MN 56359-4014
Document Number	000A428299
Instrument Date	Sep 13, 2021
Instrument	A428299
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$379.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	35971 STATE HIGHWAY 18, AITKIN, MN 56431-4277

Mortgage

Document Number	000A428302
Date	Nov 29, 2021
Instrument	A428302

Lender

Name	FIRST NATIONAL BANK MILACA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 3, 2026

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 320 Oak St S was $1,498, down 7.9% from the year before.

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	$1,498.00 (-7.87%)	$105,400 (+27.45%) Land $33,100 Building $72,300	$105,400 (+27.45%) Land $33,100 Building $72,300
2025	$1,626.00	$82,700 Land $20,600 Building $62,100	$82,700 Land $20,600 Building $62,100
2023	$1,546.00	$106,200 Land $20,100 Building $86,100	$106,200 Land $20,100 Building $86,100

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

Flood

FEMA maps place 320 Oak St S in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 320 Oak St S is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 67% of Minnesota
Wildfire Likelihood	0.05% 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.

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 46 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

May also be available: Verizon.

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