405 Pine St S, Onamia, MN 56359 Property Records

Mille Lacs County property record for 405 Pine St S, Onamia, MN 56359 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1,196 sqft · built 1965
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$233,000 (Jan 2022)
Tax Bill	$1,916 (2026)
Deeds & Mortgages	Jan 2011 Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-006-2500`

Property Details

APN / Parcel Number

Primary APN	`22-006-2500`

Interior

Building Area	1,196 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	11,326 sqft (0.26 acres)
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Deck Area	320 sqft

Location & Zoning

Street Address	405 PINE ST S
City	ONAMIA
State	MN
Zip	56359-4024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF ONAMIA S 90 FT OF E 125 FT OF S 1/2 OF SE OF NW OF NE
Legal Range	26
Legal Township	41
Legal Section	06
Jurisdiction	MILLE LACS MN
Township / Civil Division	ONAMIA
Census Block Group	1
Census Block	1035
Census Tract	970200

Owner

Source: Mille Lacs County records · APN 22-006-2500

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	405 PINE ST S, ONAMIA, MN 56359-4024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 03, 2011	Deed of Trust, Mortgage · Conventional Mortgage WOODLANDS NATIONAL BANK
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	2022429286
Prior Transfer Date	Apr 23, 2007
Prior Transfer Doc	0000340991
Record Updated	Sep 20, 2026

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	405 PINE ST S, ONAMIA, MN 56359-4024
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000A365503
Date	Jan 03, 2011
Instrument	A365503

Lender

Name	WOODLANDS NATIONAL BANK
Address	ONAMIA, MN 56359

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2041

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Jan 18, 2022
Property Address	405 PINE ST S, ONAMIA, MN 56359-4024
Document Number	000A429286
Instrument Date	Nov 19, 2021
Instrument	A429286
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$768.90
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 PINE ST S, ONAMIA, MN 56359-4024
Investor	Possibly a Property Investor

Mortgage

Document Number	000A429287
Date	Jan 18, 2022
Instrument	A429287

Lender

Name	BAY EQUITY LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2051

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Aug 25, 2020
Property Address	405 PINE ST S, ONAMIA, MN 56359-4024
Document Number	000A418871
Instrument Date	Aug 13, 2020
Instrument	A418871
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$579.15
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 PINE ST S, ONAMIA, MN 56359-4024

Mortgage

Document Number	000A418872
Date	Aug 25, 2020
Instrument	A418872

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County records · Assessment roll updated September 5, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Mille Lacs County
Municipality	Onamia City
Unified School District	Onamia Public School District (PK - 12)

Tax Bill & Assessment History

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	$1,916.00 (-17.13%)
2025		$133,200 (-24.32%) Land $19,000 Building $114,200	$133,200 (-24.32%) Land $19,000 Building $114,200
2023	$2,312.00	$176,000 Land $18,800 Building $157,200	$176,000 Land $18,800 Building $157,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mille Lacs County (27095C), updated March 4, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270959702001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low above 36% of the US · above 64% of Minnesota
Wildfire Likelihood	About 1 in 2,632 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 149 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	250 / 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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