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34672 125th Ave, Onamia, MN, 56359

3beds
2baths
1,900sqft
$535,000
$282price/sqft
$3,596/moest. monthly cost
$143,840/yrincome needed

About This Home

Country living meets opportunity on this stunning 88.8-acre homestead! This 3 bedroom, 2 bath home offers a wide open main floor perfect for entertaining and relaxing, filled with charming country character throughout. Outside, the possibilities are endless with pastures and approximately 7 acres of hayfield that was previously planted in sweetcorn, making this an ideal livestock or hobby farm setup. Current owner has already applied for and received Feedlot Permits. Abundant wildlife including deer and turkey and more create incredible hunting opportunities right out your back door. A rare chance to own a beautiful piece of countryside with room to roam, farm, hunt, and enjoy the peaceful rural lifestyle!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
3/10
Onamia High SchoolGrades 7-120.7 mi
--
Onamia Primary SchoolGrades PK-20.7 mi

Construction

Condition

  • Year built: 2005

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Bedroom2

  • Level: Lower
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Level: Lower
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Family Room

  • Level: Lower
  • Area: 450
  • Dimensions: 25x18

Features

  • Finished area below ground: 950
  • Finished area above ground: 950

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,900
  • Total interior livable area: 1,900 sqft

Kitchen

  • Level: Main
  • Area: 168
  • Dimensions: 14x12

Laundry

  • Level: Lower
  • Area: 140
  • Dimensions: 14x10

Living Room

  • Level: Main
  • Area: 275
  • Dimensions: 25x11

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 140070600
  • Zoning description: Agriculture,Residential-Single Family
  • Foundation area: 950

Features

  • Levels: Multi/Split
  • Patio & porch: Deck
  • Fencing: Wire

Lot

  • Lot size: 88.80 Acres
  • Features: Irregular Lot,Tillable,Tree Coverage - Medium
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Hail
Inland Flooding
Lightning
Strong Wind
Wildfire
Winter Weather

FEMA Declared Disasters in Mille Lacs County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,705$32,460
Home Insurance *$417$5,004
Property Taxes $304$3,648
Electricity $170$2,050
Total$3,596$43,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,291/yr
40% on housing$107,880/yr
45% on housing$95,893/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 56359$143
Mille Lacs County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 56359$206
Mille Lacs County$189

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-13Price change$525,000
2026-07-13Price change$535,000
2026-05-25Listed for sale$550,000
2023-02-10Listing removed--
2022-09-30Price change$435,000
2022-08-25Price change$445,000
2022-08-09Listed for sale$460,000
2019-09-25Sold$310,000
2019-07-10Pending sale$319,900
2019-05-30Listed for sale$319,900

For Sale by Agent

AgentCarley R Hoff-Davis
BrokerageKeller Williams Integrity NW

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