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Active
    • Price cut: $30K (8/11)
    $399,900

    39512 92nd Ave, Onamia, MN 56359

    3beds
    2,766sqft
    : 
    $2,565/mo
    Get pre-qualified
    Single Family
    Built in 2002
    0.71 Acres Lot
    $396,100 Zestimate®
    $145/sqft
    $-- HOA

    What's special

    Stunning westerly views of Mille Lacs Lake – Spacious home with exceptional storage! Enjoy breathtaking sunsets over Cove Bay on Mille Lacs Lake from this immaculate, exceptionally spacious 3-bedroom, 3-bath home offering 2,766 finished square feet on a large corner lot. Perfectly positioned just across the street from the public lake access, you'll enjoy easy boat launching and all the recreation Mille Lacs has to offer—without the expense of lakeshore taxes. Designed for comfortable living and entertaining, the home features an open-concept kitchen with beautiful hickory cabinetry, stainless steel appliances, double wall ovens, a newer cooktop, breakfast bar, generous pantry, and informal dining area. The impressive lakeside great room is filled with natural light from expansive windows and offers spectacular lake views, a wet bar, and plenty of space for gatherings. A stunning brick gas fireplace serves as the centerpiece of the living area, creating warmth and ambiance throughout the seasons. The spacious primary suite overlooks the lake and features private access to the upper-level deck, a large walk-in closet, and an ensuite bath complete with a jetted soaking tub, separate shower, and hickory vanity. Main-level laundry includes a utility sink for added convenience. Outdoor living is just as inviting with a large, covered patio featuring an awning—perfect for relaxing while taking in the panoramic lake views. Storage is unmatched with an attached oversized heated and insulated 2-car garage, plus a 30' x 40' pole building complete with concrete floor, electricity, 1/2 bath, and 12-foot sidewalls, providing ample room for boats, ATVs, snowmobiles, campers, and additional vehicles. Additional highlights include: New dual-fuel furnace installed in 2024 for energy-efficient heating and cooling, reinforced concrete storm shelter located in the crawl space, large corner lot with outstanding lake views and the public boat access just steps away. The Mille Lacs Lake area is renowned for world-class fishing, boating, swimming, groomed snowmobile trails, the SOO Line ATV Trail, nearby state parks, championship golf, casinos, charming lakeside communities, restaurants, shopping, and year-round recreation. Whether you're searching for a year-round residence, weekend getaway, or investment opportunity with excellent VRBO/Airbnb potential, this property offers an outstanding combination of space, location, and value. Experience all the beauty and recreation of Mille Lacs Lake while enjoying the significant savings of owning just off the water.
    45 days
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    507
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    12
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    Zillow last checked:

    Listing updated:

    Listed by:

    Hans Woelfle 320-515-1337,

    Keller Williams Realty Professionals

    Source: NorthstarMLS as distributed by MLS GRID,MLS#: 7103954MLS Logo

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 3
      • Full bathrooms: 2
      • 3/4 bathrooms: 1
      Bedroom
      • Level: Upper
      • Area: 195.25 Square Feet
      • Dimensions: 17'9"x11
      Bedroom 2
      • Level: Upper
      • Area: 156 Square Feet
      • Dimensions: 12x13
      Bedroom 3
      • Level: Upper
      • Area: 217.71 Square Feet
      • Dimensions: 12'6x17'5"
      Deck
      • Level: Upper
      • Area: 451.56 Square Feet
      • Dimensions: 21'4"x21'2"
      Dining room
      • Level: Main
      • Area: 182.67 Square Feet
      • Dimensions: 16x11'5"
      Family room
      • Level: Upper
      • Area: 448.03 Square Feet
      • Dimensions: 21'2"x21'2"
      Garage
      • Level: Main
      • Area: 444.5 Square Feet
      • Dimensions: 21'2"x21
      Kitchen
      • Level: Main
      • Area: 156 Square Feet
      • Dimensions: 12x13
      Laundry
      • Level: Main
      • Area: 122.83 Square Feet
      • Dimensions: 11'2x11
      Living room
      • Level: Main
      • Area: 254.65 Square Feet
      • Dimensions: 16'1"x15'10"
      Patio
      • Level: Main
      • Area: 451.56 Square Feet
      • Dimensions: 21'4"x21'2"
      Heating
      • Forced Air, Fireplace(s), Heat Pump
      Cooling
      • Central Air
      Appliances
      • Included: Air-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Double Oven, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Gas Water Heater, Microwave, Refrigerator, Stainless Steel Appliance(s), Wall Oven, Washer, Water Softener Owned
      • Laundry: Gas Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup
      Features
      • Basement: Block,Crawl Space,Drain Tiled,Sump Basket,Sump Pump
      • Number of fireplaces: 1
      • Fireplace features: Brick, Gas, Living Room
      Interior area
      • Total structure area: 2,766
      • Total interior livable area: 2,766 sqft
      • Finished area above ground: 2,766
      • Finished area below ground: 0

      Property

      Parking
      • Total spaces: 6
      • Parking features: Attached, Detached Garage, Asphalt, Concrete, Garage, Garage Door Opener, Heated Garage, Insulated Garage, Multiple Garages
      • Attached garage spaces: 6
      • Has uncovered spaces: Yes
      • Details: Garage Dimensions (22x22)
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck, Patio
      • Pool features: None
      • Fencing: None
      • Has view: Yes
      • View description: Lake, Panoramic, West
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Lake View
      Lot
      • Size: 0.71 Acres
      • Dimensions: 199 x 153
      • Features: Corner Lot, Tree Coverage - Light
      Details
      • Additional structures: Pole Building
      • Foundation area: 1146
      • Parcel number: 170153900
      • Zoning description: Residential-Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family
      Materials
      • Frame
      • Roof: Age 8 Years or Less,Asphalt,Pitched
      Condition
      • New construction: No
      • Year built: 2002

      Utilities & green energy

      • Electric: Circuit Breakers, 200+ Amp Service, Power Company: Mille Lacs Energy Co-op
      • Gas: Natural Gas
      • Sewer: Mound Septic, Private Sewer
      • Water: 4-Inch Submersible, Drilled, Private, Well

      Community & HOA

      HOA
      • Has HOA: No
      Location
      • Region: Onamia

      Financial & listing details

      • Price per square foot: $145/sqft
      • Tax assessed value: $422,400
      • Annual tax amount: $3,885
      • Date on market: 7/6/2026
      • Cumulative days on market: 193 days

        Estimated market value

        $396,100

        $376,000 - $416,000

        $2,823/mo

        Price history

        DateEventPrice
        8/11/2026Price change$399,900-7%$145/sqft
        Source: NorthstarMLS as distributed by MLS GRID #7103954 Report a problem
        7/10/2026Listed for sale$429,900-4%$155/sqft
        Source: NorthstarMLS as distributed by MLS GRID #7103954 Report a problem
        10/10/2025Listing removed$447,900$162/sqft
        Source: NorthstarMLS as distributed by MLS GRID #6699907 Report a problem
        8/26/2025Price change$447,900-0.4%$162/sqft
        Source: NorthstarMLS as distributed by MLS GRID #6699907 Report a problem
        5/31/2025Price change$449,900-4.3%$163/sqft
        Source: NorthstarMLS as distributed by MLS GRID #6699907 Report a problem
        4/18/2025Price change$469,900-1.1%$170/sqft
        Source: NorthstarMLS as distributed by MLS GRID #6699907 Report a problem
        4/10/2025Listed for sale$474,900$172/sqft
        Source: NorthstarMLS as distributed by MLS GRID #6699907 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$4,130 +6.4%$422,400 -3.6%
        2024$3,880 -1%$438,400 +6.2%
        2023$3,918 +23.8%$412,800 +3%
        2022$3,164 +16.2%$400,800 +45%
        2021$2,724 +3.1%$276,400 +11.5%
        2020$2,642 +9.4%$247,800 +10.7%
        2019$2,416 +12.6%$223,900 +8.2%
        2018$2,146 -2.4%$206,900 +12.1%
        2017$2,198 -9.7%$184,600
        2016$2,434 +1%--
        2015$2,410 --
        2014$2,410 --
        2013-- --
        2012-- --
        2011-- --
        2010-- --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 56359

        Getting around

        7 / 100
        Car-Dependent
        28 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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