7856 Stevens Rd, Onamia, MN 56359 Property Records

Mille Lacs County property record for 7856 Stevens Rd, Onamia, MN 56359

Property Summary

Property Type	Mobile Home
Details	2,240 sqft · built 1998
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Apr 2021)
Tax Bill	$5,498 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-025-0900`

Property Details

APN / Parcel Number

Primary APN	`17-025-0900`

Interior

Building Area	2,240 sqft Total Area
Basement Area	1,120 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile Home
Lot Area	871,200 sqft (20 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	169 sqft

Location & Zoning

Street Address	7856 STEVENS RD
City	ONAMIA
State	MN
Zip	56359-7894
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	E 1/2 OF SW OF NW 25 42 26 20.00
Legal Range	26
Legal Township	42
Legal Section	25
Jurisdiction	MILLE LACS MN
Township / Civil Division	SOUTH HARBOR
Census Block Group	2
Census Block	2032
Census Tract	970300

Owner

Source: Mille Lacs County records, as of July 20, 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	7856 STEVENS RD, ONAMIA, MN 56359-7894
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2022	Deed of Trust, Mortgage · Line of Credit HIWAY FCU
Apr 12, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2021 · Amount on Record
Deed Sale	Apr 12, 2021 · Amount on Record
Deed Document Number	2021423806
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MILLE LACS MN
Property Address	7856 STEVENS RD, ONAMIA, MN 56359-7894
Transaction Type	Mortgage
Record Updated	Jan 18, 2023
Title Company	ANCONA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A434544
Date	Dec 23, 2022
Instrument	A434544

Lender

Name	HIWAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 31, 2037

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MILLE LACS MN
Recording Date	Apr 12, 2021
Property Address	7856 STEVENS RD, ONAMIA, MN 56359-7894
Document Number	A423806
Instrument Date	Mar 31, 2021
Instrument	A423806
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,188.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7856 STEVENS RD, ONAMIA, MN 56359-7894

Mortgage

Document Number	000A423807
Date	Apr 12, 2021
Instrument	A423807

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mille Lacs County assessment roll, as of September 5, 2025

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	$5,498.00 (+57.18%)
2025		$341,600 (-6.82%) Land $95,100 Building $246,500	$341,600 (-6.82%) Land $95,100 Building $246,500
2023	$3,498.00	$366,600 Land $80,000 Building $286,600	$366,600 Land $80,000 Building $286,600

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 · 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	Moderate above 45% of the US · above 74% 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stevens Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures