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Single Family ResidenceResidential
$175,943$200 / 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 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $150,000 on Jul 24, 2019

12781 320TH ST

ONAMIA, MN 56359
0
Baths
880 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.
20 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$176K
$156K low$196K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$150,000 · Jul 24, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,056 (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.$228,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$103,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$125,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$213,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$228,700

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.53
95
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
47
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
55
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.63 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.20.00
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 · 160 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.

E
Onamia Primary School
Elementary · Grades PK–2 · 3.5 mi
M
Onamia High SchoolD
Middle · Grades 7–12 · 3.5 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

12781 320th St 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 86% of homes in Mille Lacs County
  • Costs less per square foot than 73% of homes in Mille Lacs County
  • Smaller than 80% of homes in Mille Lacs County
  • Has a bigger lot than 85% of homes in Mille Lacs County
  • Older than 79% 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
$60K$614K

This home is worth more than 28% 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$175,943
CheaperTypical $264,570Pricier

Pricier than 28% of homes nearby

Price per ft²$200
CheaperTypical $213Pricier

Pricier than 44% of homes nearby

Living area880 ft²
SmallerTypical 1,092 ft²Bigger

Bigger than 26% of homes nearby

Lot size20 ac
SmallerTypical 1.3 acBigger

Bigger than 78% of homes nearby

Year built1954
OlderTypical 1983Newer

Newer than 25% of homes nearby

How 12781 320th St ranks against every home in each area.
MeasureThis homeOnamia 56359Mille Lacs County
Estimated valuepricier than$175,94328% of homes14% of homes
Price per ft²pricier than$20044% of homes27% of homes
Living areabigger than880 ft²26% of homes20% of homes
Lot sizebigger than20 ac78% of homes85% of homes
Year builtnewer than195425% of homes21% of homes

About 12781 320th St

How much is 12781 320th St, Onamia, MN worth?

The TopHap Estimate for 12781 320th St, Onamia, MN is $175,943 as of Sep 24, 2026. The likely range is $155,680 to $196,206. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12781 320th St, Onamia, MN last sell?

12781 320th St, Onamia, MN last sold on Jul 24, 2019 for $150,000, according to the county's recorded deed.

How big is 12781 320th St, Onamia, MN?

12781 320th St, Onamia, MN has 880 square feet of living space and a 20.00-acre lot.

When was 12781 320th St, Onamia, MN built?

12781 320th St, Onamia, MN was built in 1954, making it 72 years old.

What schools serve 12781 320th St, Onamia, MN?

12781 320th St, Onamia, MN is assigned to Onamia Primary School (elementary); Onamia High School (middle), rated D. All sit in Onamia Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12781 320th St, Onamia, MN compare to other homes in Onamia 56359?

Among the 1,942 homes in Onamia 56359, it is worth more than 28% of them ($175,943 against a typical $264,570), its price per square foot is higher than 44% of them ($200 against a typical $213), it is bigger than 26% of them (880 ft² against a typical 1,092 ft²), its lot is bigger than 78% of them (20 ac against a typical 1.3 ac) and it is newer than 25% of them (1954 against a typical 1983). Measured against all of Mille Lacs County, it is worth more than 14% 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 12781 320th St, Onamia, MN?

The 2026 property tax bill for 12781 320th St, Onamia, MN was $2,056. The county assessed it at $228,700.

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