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15379 Twilight Rd, Onamia, MN, 56359

1beds
1baths
576sqft
$290,000
$503price/sqft
$2,093/moest. monthly cost
$83,720/yrincome needed

About This Home

If the lake is calling you, check out this affordable Mille Lacs lake cabin! Side deck & front deck to enjoy lounging & lake views! 1/2 acre lot is wooded with mature trees. Newer 28x56 pole building offers a 12' overhead door. 125' of level frontage with your own boat ramp for easy launching. Buy now to enjoy all summer long!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

--
Onamia Primary SchoolGrades PK-26.7 mi
3/10
Onamia High SchoolGrades 7-126.7 mi
2/10

Construction

Condition

  • Year built: 1950

Materials

  • Roof: Age 8 Years or Less
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Block,Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 576

Heating & Cooling

  • Heating features: Space Heater
  • Cooling features: Wall Unit(s),Window Unit(s)

Interior Area

  • Total structure area: 576
  • Total interior livable area: 576 sqft

Property

Accessibility

  • Accessibility features: No Stairs Internal

Details

  • Parcel number: 098000200
  • Zoning description: Shoreline
  • Other equipment: Fuel Tank - Owned
  • Foundation area: 576

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Elevation(0-4),Lake Bottom(Sand)
  • Frontage length: Water Frontage: 125

Lot

  • Lot size: 0.51 Acres
  • Features: Accessible Shoreline,Tree Coverage - Medium
  • Lot size dimensions: 125 x 177 x 125 x 183

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Hail
Lightning
Tornado
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 $1,466$17,592
Home Insurance *$226$2,712
Property Taxes $231$2,772
Electricity $170$2,050
Total$2,093$25,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,760/yr
40% on housing$62,790/yr
45% on housing$55,813/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

$503This listing

vs Other Active Listings

Avg $/sqft

ZIP 56359$156
Mille Lacs County$137

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
2026-04-16Listed for sale$290,000
2025-12-13Listing removed$290,000
2025-10-27Price change$290,000
2025-07-23Price change$299,000
2025-07-07Price change$300,000
2025-04-24Listed for sale$315,000
2025-04-18Listing removed$314,900
2024-12-04Price change$314,900
2024-08-30Listed for sale$325,000

For Sale by Agent

AgentCindy Scholl
BrokerageEdina Realty, Inc.

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