Mille Lacs County property record for 38999 Shady Rd, Onamia, MN 56359 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1,326 sqft |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Jun 2017) |
| Tax Bill | $4,968 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-022-1300 |
| Primary APN | 17-022-1300 |
|---|
| Building Area | 1,326 sqft Living Area |
|---|
| Lot Area | 14,810 sqft (0.34 acres) |
|---|---|
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Deck Area | 350 sqft |
| Street Address | 38999 SHADY RD |
|---|---|
| City | ONAMIA |
| State | MN |
| Zip | 56359-4516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 50 FT OF N 1/2 OF NE OF NW, & GOV LOT 2, LYING DIR S OF BERGS ADDN, & S 1/2 OF VAC ST IN BERGS ADDN, LYING DIR S OF LOT 5 |
| Legal Range | 26 |
| Legal Township | 42 |
| Legal Section | 22 |
| Legal Subdivision | BERGS ADDN |
| Legal Lot Number | 2-5 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | SOUTH HARBOR |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 970300 |
Source: Mille Lacs County records · APN 17-022-1300
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 | 38999 SHADY RD, ONAMIA, MN 56359-4516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE |
| Mar 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Jun 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 21, 2017 · Amount on Record |
| Deed Sale | Jun 21, 2017 · Amount on Record |
| Deed Document Number | 2017401161 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jul 07, 2026 |
| Property Address | 38999 SHADY RD, ONAMIA, MN 56359-4516 |
| Document Number | 0000451898 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 2026451898 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 38999 SHADY RD, ONAMIA, MN 56359-4516 |
| Investor | Possibly a Property Investor |
| Document Number | 0000451898, |
|---|---|
| Date | Jul 07, 2026 |
| Instrument | 2026451898 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 38999 SHADY RD, ONAMIA, MN 56359-4516 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2021 |
| Name | Verified Name |
|---|
| Document Number | A423296 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | A423296 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Recording Date | Jun 21, 2017 |
| Property Address | 38999 SHADY RD, ONAMIA, MN 56359-4516 |
| Document Number | A401161 |
| Instrument Date | Jun 09, 2017 |
| Instrument | A401161 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17224 NIXON ST NW, ELK RIVER, MN 55330-4725 |
| Investor | Possibly a Property Investor |
| Document Number | A401162 |
|---|---|
| Date | Jun 21, 2017 |
| Instrument | A401162 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| County Subdivision | South Harbor Township |
| Unified School District | Onamia Public School District (PK - 12) |
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 | $4,968.00 (+4.63%) | ||
| 2025 | $523,400 (+5.16%) Land $176,700 Building $346,700 | $523,400 (+5.16%) Land $176,700 Building $346,700 | |
| 2023 | $4,748.00 | $497,700 Land $172,500 Building $325,200 | $497,700 Land $172,500 Building $325,200 |
Source: FEMA National Flood Hazard Layer, Mille Lacs County (27095C), updated March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270959703002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 38% of the US · above 68% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 1,923 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Midcontinent Communications | Cable | 250 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 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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