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Single Family ResidenceResidential
$115,427$177 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $20,000 on Oct 23, 2017

104 SPRUCE ST S

ONAMIA, MN 56359
0
Baths
651 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$115K
$103K low$128K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$20,000 · Oct 23, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,382 (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.$148,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$118,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$148,800

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.31
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
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.0.16
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 112 ft²

Transaction History(3)

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 · 0.6 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

104 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 96% of homes in Mille Lacs County
  • Costs less per square foot than 85% of homes in Mille Lacs County
  • Smaller than 92% of homes in Onamia 56359
  • Has a smaller lot than 91% of homes in Mille Lacs County
  • Older than 82% of homes in Mille Lacs County

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
$68K$585K

This home is worth more than 12% 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$115,427
CheaperTypical $251,338Pricier

Pricier than 12% of homes nearby

Price per ft²$177
CheaperTypical $205Pricier

Pricier than 33% of homes nearby

Living area651 ft²
SmallerTypical 1,100 ft²Bigger

Bigger than 8% of homes nearby

Lot size0.16 ac
SmallerTypical 1.35 acBigger

Bigger than 14% of homes nearby

Year built1945
OlderTypical 1982Newer

Newer than 21% of homes nearby

How 104 Spruce St S ranks against every home in each area.
MeasureThis homeOnamia 56359Mille Lacs County
Estimated valuepricier than$115,42712% of homes4% of homes
Price per ft²pricier than$17733% of homes15% of homes
Living areabigger than651 ft²8% of homes8% of homes
Lot sizebigger than0.16 ac14% of homes9% of homes
Year builtnewer than194521% of homes18% of homes

About 104 Spruce St S

How much is 104 Spruce St S, Onamia, MN worth?

The TopHap Estimate for 104 Spruce St S, Onamia, MN is $115,427 as of Oct 21, 2026. The likely range is $103,336 to $127,518. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 104 Spruce St S, Onamia, MN last sell?

104 Spruce St S, Onamia, MN last sold on Oct 23, 2017 for $20,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 104 Spruce St S, Onamia, MN?

104 Spruce St S, Onamia, MN has 651 square feet of living space and a 0.16-acre lot.

When was 104 Spruce St S, Onamia, MN built?

104 Spruce St S, Onamia, MN was built in 1945, making it 81 years old.

What schools serve 104 Spruce St S, Onamia, MN?

104 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 104 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 12% of them ($115,427 against a typical $251,338), its price per square foot is higher than 33% of them ($177 against a typical $205), it is bigger than 8% of them (651 ft² against a typical 1,100 ft²), its lot is bigger than 14% of them (0.16 ac against a typical 1.35 ac) and it is newer than 21% of them (1945 against a typical 1982). Measured against all of Mille Lacs County, it is worth more than 4% 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 104 Spruce St S, Onamia, MN?

The 2026 property tax bill for 104 Spruce St S, Onamia, MN was $1,382. The county assessed it at $148,800.

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