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Single Family ResidenceResidential
$129,607$102 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

101 SPRUCE ST S

ONAMIA, MN 56359
0
Baths
1,276 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$130K
$119K low$140K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,648 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$163,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$31,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$132,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$124,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$163,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
46
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
53
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMILLE LACS
Lot (acres)The size of the land the home sits on, from county records.0.32
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Onamia High SchoolD
Middle · Grades 7–12 · 0.7 mi
E
Onamia Primary School
Elementary · Grades PK–2 · 0.7 mi

District: Onamia Public School District

Neighborhood · ZIP 56359These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.159
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.70%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.4,313
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.17 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,087
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,731
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

101 Spruce St S measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 90% of homes in Mille Lacs County
  • Costs less per square foot than 96% of homes in Mille Lacs County
  • Bigger than 65% of homes in Onamia 56359
  • Has a smaller lot than 76% of homes in Onamia 56359

What homes are worth in Onamia 56359

Each bar is how many homes fall in that price range. The marker is this home.

This home
$60K$571K

This home is worth more than 21% of homes in Onamia 56359.

How it measures up in Onamia 56359

The dot is this home. The mark in the middle is the typical home in Onamia 56359.

Estimated value$129,607
CheaperTypical $222,730Pricier

Pricier than 21% of homes nearby

Price per ft²$102
CheaperTypical $182Pricier

Pricier than 10% of homes nearby

Living area1,276 ft²
SmallerTypical 1,096 ft²Bigger

Bigger than 65% of homes nearby

Lot size0.32 ac
SmallerTypical 1.3 acBigger

Bigger than 24% of homes nearby

How 101 Spruce St S ranks against every home in each area.
MeasureThis homeOnamia 56359Mille Lacs County
Estimated valuepricier than$129,60721% of homes10% of homes
Price per ft²pricier than$10210% of homes4% of homes
Living areabigger than1,276 ft²65% of homes63% of homes
Lot sizebigger than0.32 ac24% of homes28% of homes

About 101 Spruce St S

How much is 101 Spruce St S, Onamia, MN worth?

The TopHap Estimate for 101 Spruce St S, Onamia, MN is $129,607 as of Aug 30, 2026. The likely range is $118,782 to $140,432. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 101 Spruce St S, Onamia, MN last sell?

101 Spruce St S, Onamia, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 101 Spruce St S, Onamia, MN?

101 Spruce St S, Onamia, MN has 1,276 square feet of living space and a 0.32-acre lot.

What schools serve 101 Spruce St S, Onamia, MN?

101 Spruce St S, Onamia, MN is assigned to Onamia High School (middle), rated D; Onamia Primary School (elementary). All sit in Onamia Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 101 Spruce St S, Onamia, MN compare to other homes in Onamia 56359?

Among the 1,942 homes in Onamia 56359, it is worth more than 21% of them ($129,607 against a typical $222,730), its price per square foot is higher than 10% of them ($102 against a typical $182), it is bigger than 65% of them (1,276 ft² against a typical 1,096 ft²) and its lot is bigger than 24% of them (0.32 ac against a typical 1.3 ac). Measured against all of Mille Lacs County, it is worth more than 10% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 101 Spruce St S, Onamia, MN?

The 2026 property tax bill for 101 Spruce St S, Onamia, MN was $1,648. The county assessed it at $163,900.

More homes on Spruce St S

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