39081 Spruce Rd, Onamia, MN 56359 Property Records

Mille Lacs County property record for 39081 Spruce Rd, Onamia, MN 56359

Property Summary

Property Type	Seasonal / Vacation Home
Details	1,040 sqft · built 1973
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Tax Bill	$3,816 (2026)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-015-3600`

Property Details

APN / Parcel Number

Primary APN	`17-015-3600`

Interior

Building Area	1,040 sqft Total Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	26,136 sqft (0.6 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	172 sqft

Location & Zoning

Street Address	39081 SPRUCE RD
City	ONAMIA
State	MN
Zip	56359
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	W 87 FT OF E 262.5 FT, EX S 341 FT OF GOV LOT 7, DES IN 12/19/73 SURVEY 15 42 26 .60
Legal Range	26
Legal Township	42
Legal Section	15
Legal Lot Number	7
Jurisdiction	MILLE LACS MN
Township / Civil Division	SOUTH HARBOR
Census Block Group	2
Census Block	2019
Census Tract	970300

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
Mailing Address	13691 BROOKSTONE PATH, ROSEMOUNT, MN 55068-4825
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 29, 2010
Transfer Doc	A365788
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	39081 SPRUCE RD, ONAMIA, MN 56359-7875
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A420777
Date	Nov 19, 2020
Instrument	A420777

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
County Subdivision	South Harbor Township
Unified School District	Onamia Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,816.00 (+3.53%)	$410,200 (+1.11%) Land $222,200 Building $188,000	$410,200 (+1.11%) Land $222,200 Building $188,000
2025	$3,686.00 (+9.38%)	$405,700 (+13.39%) Land $222,000 Building $183,700	$405,700 (+13.39%) Land $222,000 Building $183,700
2023	$3,370.00	$357,800 Land $184,500 Building $173,300	$357,800 Land $184,500 Building $173,300

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 AE, 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Cable	250 / 20
T-Mobile Fixed Wireless	100 / 20