39545 Twilight Rd, Onamia, MN 56359 Property Records

Mille Lacs County property record for 39545 Twilight Rd, Onamia, MN 56359

Property Summary

Property Type	Single Family Home
Details	1,428 sqft · built 1989
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Dec 2025)
Tax Bill	$4,400 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-017-0205`

Property Details

APN / Parcel Number

Primary APN	`17-017-0205`

Interior

Building Area	1,428 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	45,738 sqft (1.05 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	336 sqft
Gazebo	94 sqft

Location & Zoning

Street Address	39545 TWILIGHT RD
City	ONAMIA
State	MN
Zip	56359-7927
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR IN GOV LOT 5, DES AS PARCEL IIIA OF 4/4/89 REVISED SURVEY 17 42 26 1.05
Legal Range	26
Legal Township	42
Legal Section	17
Legal Lot Number	5
Jurisdiction	MILLE LACS MN
Township / Civil Division	SOUTH HARBOR
Census Block Group	2
Census Block	2084
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	2 Individual Names on Record
Mailing Address	39545 TWILIGHT RD, ONAMIA, MN 56359-7927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	2025449183
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Dec 11, 2025
Property Address	39545 TWILIGHT RD, ONAMIA, MN 56359-7927
Document Number	000A449183
Instrument Date	Dec 2, 2025
Instrument	A449183
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	LAWYERS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	39545 TWILIGHT RD, ONAMIA, MN 56359-7927

Mortgage

Document Number	000A449184
Date	Dec 11, 2025
Instrument	A449184

Lender

Name	BLAZE CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	9.87%

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	$4,400.00 (+140.96%)	$481,400 (+2.03%) Land $222,900 Building $258,500	$481,400 (+2.03%) Land $222,900 Building $258,500
2025	$1,826.00 (+37.71%) Homeowner's exemption	$471,800 (+2.92%) Land $222,000 Building $249,800	$471,800 (+2.92%) Land $222,000 Building $249,800
2023	$1,326.00	$458,400 Land $230,800 Building $227,600	$458,400 Land $230,800 Building $227,600

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Cable	250 / 20