40371 Par Five Dr, Onamia, MN 56359 Property Records

Mille Lacs County property record for 40371 Par Five Dr, Onamia, MN 56359

Property Summary

Property Type	Seasonal / Vacation Home
Details	1,916 sqft · built 2003
Lot Size	0.782 acres (34,090 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,332 (2026)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-402-0220`

Property Details

APN / Parcel Number

Primary APN	`17-402-0220`

Interior

Building Area	1,916 sqft Total Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	34,090 sqft (0.782 acres)
Garage Area	1,524 sqft
Parking Spaces	6 Parking Spaces

Location & Zoning

Street Address	40371 PAR FIVE DR
City	ONAMIA
State	MN
Zip	56359-7991
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Range	26
Legal Township	42
Legal Section	11
Legal Subdivision	IZATY'S SECOND ADDITION
Legal Block	2
Legal Lot Number	19
Jurisdiction	MILLE LACS MN
Township / Civil Division	SOUTH HARBOR
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	40371 PAR FIVE DR, ONAMIA, MN 56359-7991
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	40371 PAR FIVE DR, ONAMIA, MN 56359-7991
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A404948
Date	Feb 20, 2018
Instrument	A404948

Lender

Name	SPIRE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2033

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	$3,332.00 (-13.36%)	$372,100 (+4.91%) Land $84,000 Building $288,100	$372,100 (+4.91%) Land $84,000 Building $288,100
2025		$354,700 (-8.51%) Land $78,000 Building $276,700	$354,700 (-8.51%) Land $78,000 Building $276,700
2023	$3,846.00	$387,700 Land $74,000 Building $313,700	$387,700 Land $74,000 Building $313,700

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
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 65% of the US · above 61% of Minnesota
Wildfire Likelihood	0.03% 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 37 locations within half a mile, as of December 31, 2025

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