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Single Family ResidenceResidential
$56,380$100 / 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 97How 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
Last sold for $50,000 on Sep 16, 2008

308 SPRUCE ST N

ONAMIA, MN 56359
0
Baths
564 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.
1940
Year BuiltThe year the home was originally built, according to county records.

Valuation

$56K
$54K low$58K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$50,000 · Sep 16, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$660 (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.$82,100 (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.$52,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$58,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$82,100

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.42
53
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.16 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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

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 · 0.9 mi
E
Onamia Primary School
Elementary · Grades PK–2 · 0.9 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

308 Spruce St N 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.

  • Among the least valuable homes in Mille Lacs County
  • Costs less per square foot than 96% of homes in Mille Lacs County
  • Smaller than 94% of homes in Mille Lacs County
  • Has a smaller lot than 91% of homes in Mille Lacs County
  • Older than 84% 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
$56K$558K

This home is worth more than 2% 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$56,380
CheaperTypical $222,384Pricier

Pricier than 2% of homes nearby

Price per ft²$100
CheaperTypical $181Pricier

Pricier than 10% of homes nearby

Living area564 ft²
SmallerTypical 1,092 ft²Bigger

Bigger than 7% of homes nearby

Lot size0.16 ac
SmallerTypical 1.38 acBigger

Bigger than 14% of homes nearby

Year built1940
OlderTypical 1982Newer

Newer than 18% of homes nearby

How 308 Spruce St N ranks against every home in each area.
MeasureThis homeOnamia 56359Mille Lacs County
Estimated valuepricier than$56,3802% of homesalmost no homes
Price per ft²pricier than$10010% of homes4% of homes
Living areabigger than564 ft²7% of homes6% of homes
Lot sizebigger than0.16 ac14% of homes9% of homes
Year builtnewer than194018% of homes16% of homes

About 308 Spruce St N

How much is 308 Spruce St N, Onamia, MN worth?

The TopHap Estimate for 308 Spruce St N, Onamia, MN is $56,380 as of Aug 30, 2026. The likely range is $54,421 to $58,339. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 308 Spruce St N, Onamia, MN last sell?

308 Spruce St N, Onamia, MN last sold on Sep 16, 2008 for $50,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 308 Spruce St N, Onamia, MN?

308 Spruce St N, Onamia, MN has 564 square feet of living space and a 0.16-acre lot.

When was 308 Spruce St N, Onamia, MN built?

308 Spruce St N, Onamia, MN was built in 1940, making it 86 years old.

What schools serve 308 Spruce St N, Onamia, MN?

308 Spruce St N, 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 308 Spruce St N, Onamia, MN compare to other homes in Onamia 56359?

Among the 1,942 homes in Onamia 56359, it is worth more than 2% of them ($56,380 against a typical $222,384), its price per square foot is higher than 10% of them ($100 against a typical $181), it is bigger than 7% of them (564 ft² against a typical 1,092 ft²), its lot is bigger than 14% of them (0.16 ac against a typical 1.38 ac) and it is newer than 18% of them (1940 against a typical 1982). Measured against all of Mille Lacs County, it is worth more than almost no 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 308 Spruce St N, Onamia, MN?

The 2026 property tax bill for 308 Spruce St N, Onamia, MN was $660. The county assessed it at $82,100.

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