40310 Timber Trail Rd, Onamia, MN 56359 Property Records

Mille Lacs County property record for 40310 Timber Trail Rd, Onamia, MN 56359

Property Summary

Property Type	Mobile Home
Details	2,052 sqft · built 2004
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Aug 2023)
Tax Bill	$1,594 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-007-1001`

Property Details

APN / Parcel Number

Primary APN	`09-007-1001`

Interior

Building Area	2,052 sqft Total Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Mobile Home
Lot Area	435,600 sqft (10 acres)
Deck Area	144 sqft
Shed	1 Shed

Location & Zoning

Street Address	40310 TIMBER TRAIL RD
City	ONAMIA
State	MN
Zip	56359-2103
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	SW OF NE OF SW 7 42 27 10.00
Legal Range	27
Legal Township	42
Legal Section	07
Jurisdiction	MILLE LACS MN
Township / Civil Division	KATHIO
Census Block Group	3
Census Block	3004
Census Tract	970200

Owner

40310 Timber Trail Rd, a mobile home, is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	40310 TIMBER TRAIL RD, ONAMIA, MN 56359-2103
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING
Aug 25, 2023	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 12, 2021	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2023 · Amount on File
Deed Sale	Aug 25, 2023 · Amount on File
Prior Sale	Mar 12, 2021 · Amount on File
Deed Document Number	2023437629
Prior Transfer Date	Apr 3, 2012
Prior Transfer Doc	A372365
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Recording Date	Aug 21, 2026
Property Address	40310 TIMBER TRAIL RD, ONAMIA, MN 56359-2103
Document Number	0000452557
Instrument Date	Jul 10, 2026
Instrument	2026452557
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40310 TIMBER TRAIL RD, ONAMIA, MN 56359-2103

Mortgage

Document Number	0000452557,
Date	Aug 21, 2026
Instrument	2026452557

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Aug 25, 2023
Property Address	40310 TIMBER TRAIL RD, ONAMIA, MN 56359-2103
Document Number	000A437629
Instrument Date	Aug 10, 2023
Instrument	A437629
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40310 TIMBER TRAIL RD, ONAMIA, MN 56359-2103

Mortgage

Document Number	000A437630
Date	Aug 25, 2023
Instrument	A437630

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Mar 12, 2021
Property Address	40310 TIMBER TRAIL RD, ONAMIA, MN 56359-2103
Document Number	A423219
Instrument Date	Dec 23, 2020
Instrument	A423219
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$468.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40310 TIMBER TRAIL RD, ONAMIA, MN 56359-2103

Mortgage

Document Number	A423220
Date	Mar 12, 2021
Instrument	A423220

Lender

Name	BAY EQUITY LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 40310 Timber Trail Rd was $1,594.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,594.00	$228,400 (+19.02%) Land $87,000 Building $141,400	$228,400 (+19.02%) Land $87,000 Building $141,400
2025		$191,900 Land $78,500 Building $113,400	$191,900 Land $78,500 Building $113,400
2023	$1,968.00	$222,700 Land $66,000 Building $156,700	$222,700 Land $66,000 Building $156,700

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

Flood

FEMA maps place 40310 Timber Trail Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 40310 Timber Trail Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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