Onamia Homes under $400,000

Welcome to Onamia, Minnesota, a charming small town nestled in the heart of Mille Lacs County. Known for its stunning natural beauty and friendly community, Onamia offers a perfect blend of outdoor recreational opportunities and a quaint, welcoming atmosphere. Whether you're an outdoor enthusiast or someone seeking a peaceful lifestyle, Onamia has something for everyone.

Surrounded by the serene waters of Lake Mille Lacs and lush forests, Onamia is an outdoor paradise. Residents enjoy fishing, boating, hiking, and camping, with countless trails and parks to explore. In addition to its natural attractions, the town boasts a rich history and a vibrant community spirit, with local events and festivals that bring residents together throughout the year.

For those looking to make Onamia their home, you'll be pleased to discover a variety of charming properties available for under $400,000. From cozy single-family homes to spacious properties with picturesque views, there are options to suit every lifestyle and budget. Many homes in this price range offer modern amenities while retaining the character and charm that Onamia is known for.

Living in Onamia means enjoying a relaxed pace of life while still being within reach of larger cities like Brainerd and Minneapolis. With its affordable housing market, strong sense of community, and beautiful surroundings, Onamia is the perfect place to plant your roots and create lasting memories. Come explore the possibilities and discover your dream home in this idyllic Minnesota town!

Newest Onamia Homes under $400,000

$360,000

COMING SOON Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7158865 MLS ⋅ 1,400 SqFt.

Welcome to Unit 327 at Izatys on beautiful Lake Mille Lacs! This beautifully reimagined 3-bedroom, 2.5-bathroom end-unit Beach Villa offers a true turn-key lakeside retreat with modern updates, abundant natural light, and beautiful water views. Extensively renovated from top to bottom, this multi-level townhome has been thoughtfully updated with new flooring, doors, trim, and an updated kitchen and bathrooms. Every appliance was replaced in 2024, including the kitchen appliances, washer, and dryer. The bathrooms and toilets were also updated, and new windows were installed in both the front bay window and the large end-unit window. The result is a refreshed, move-in-ready space designed for comfortable lakeside living. The main level features an inviting kitchen and dining area that flows seamlessly into the bright living room, complete with a cozy wood-burning fireplace. Step outside to the covered three-season porch and enjoy the surrounding lakeside setting. Upstairs, the spacious primary suite offers a private bathroom and balcony overlooking the lake, while two additional bedrooms and a full bathroom provide comfortable accommodations for family and guests. For year-round comfort, the home features three individual heating and cooling units: one in the primary bedroom, one serving the two additional bedrooms, and one in the living room. Whether you're looking for a relaxing lake getaway, a weekend retreat, or a place to enjoy all that the Lake Mille Lacs area has to offer, this beautifully renovated Beach Villa is ready to welcome you. Come experience lakeside living at Izatys! Move-In Ready and Fully furnished! All furnishings, dishes, cookware, towels, linens, and everything you see included in the sale. Thoughtfully equipped from top to bottom, this property makes it easy to settle in and start enjoying your new space from day one. Just bring your suitcase and make yourself at home!

8382 Tuxedo Road Unit 327, Onamia

Listing courtesy of Weichert, REALTORS- Heartland.

$290,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7155760 MLS ⋅ 854 SqFt.

Lake Mille Lacs sits right across the road, and this property comes with a dock to get you on it. A-frame cabin with vaulted ceilings, skylights, and an open kitchen and living area featuring stainless appliances, LVP flooring, and a stove that keeps things warm on cold Minnesota nights. Main-level bedroom, 3/4 bath, and a loft sleeping area upstairs. Step out to the large deck, gather around the fire pit, or head out back to the sauna. Need room for guests? The 2019 RV sleeps 5, is already hooked into septic, and can stay with the property. Detached 2-car garage, storage sheds, and a big, deep, wooded lot. Fish it, boat it, ice fish it. Then come back to a cabin that's set up and ready to use.

14801 Twilight Road, Onamia

Listing courtesy of Aire LLC.

$304,900

ACTIVE Status ⋅ 2 Beds ⋅ 3 Baths ⋅ 7134946 MLS ⋅ 1,040 SqFt.

Beautifully remodeled 2-bedroom, 3-bathroom condo on the scenic shores of Mille Lacs Lake! Enjoy all the fun with no maintenance, you will enjoy the Izatys home owners association-maintained manicured grounds. Relax on the lakeside balcony or enclosed 3-season porch with wonderful lake views. The updated interior features granite countertops, a gas fireplace and comfortable living spaces. Short-term rentals are allowed, making this a great investment or personal getaway. Exterior storage closet provides space for your outdoor toys. Onsite amenities include world class golf, restaurant/bar, beach access and marina options for the new owner. Rare opportunity on this updated unit at Izatys Resort, just 90 minutes from the Twin Cities.

8372 Tuxedo Road Unit 330, Onamia

Listing courtesy of eXp Realty.

$250,000

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7133550 MLS ⋅ 1,286 SqFt.

Charming 3-Bedroom Home in Onamia Welcome to 39679 92nd Avenue in Onamia! This inviting 3-Bedroom, 2-bathroom home offers a comfortable layout along with several important recent updates, making it an excellent opportunity for it's next owner. The property features a spacious garden area, perfect for growing vegetables, flowers, or enjoying the outdoors. Major updates provide added peace of mind, including a newer roof, furnace, and septic system. With three bedrooms and two bathrooms, there is plenty of room for family, guest, a home office , or whatever fits your lifestyle. Located in the beautiful Onamia area, this property offers the opportunity to enjoy a quieter setting while remaining close to the area's recreation and amenities. Whether you're looking for a comfortable home, a place to enjoy the outdoors, or a property with valuable recent improvements already completed, 39679 92nd Avenue is worth a look. Come see the possibilities and make this Onamia property your next home!

39679 92nd Avenue, Onamia

Listing courtesy of Real Broker, LLC.

$375,000

ACTIVE Status ⋅ 2 Beds ⋅ 1 Baths ⋅ 7133924 MLS ⋅ 807 SqFt.

Lake Mille Lacs lakeshore property offering approximately 151 feet of shoreline, a one-level home, and several features suited for year-round living or recreational use. Located on Lake Mille Lacs, this property provides direct access to one of Minnesota's largest inland lakes and a well-known destination for fishing and water-based recreation. Lake Mille Lacs covers approximately 132,516 acres and is recognized for opportunities to fish for walleye, smallmouth bass, northern pike, muskellunge, and other species. The home features approximately two bedrooms and one bathroom, along with a spacious main living area highlighted by vaulted ceilings and a stone fireplace. The one-level layout provides all of the home's primary living spaces on one floor. Large windows and the property's lakeside setting provide views toward Lake Mille Lacs. A covered porch offers an additional outdoor living area overlooking the lake. It provides a space to enjoy the lakeside setting while remaining sheltered from the elements. The backyard is partially fenced and offers additional outdoor space adjacent to the home. The attached garage is finished and heated and includes a large storage closet. For additional storage, the property also includes a 12-by-24-foot storage shed. These spaces provide room for household items, recreational equipment, tools, and other property-related storage needs. The surrounding Lake Mille Lacs area includes several communities and provides access to additional services, restaurants, resorts, public lake accesses, and recreational opportunities. Communities around the lake include Isle, Wahkon, Garrison, Onamia, Malmo, and Wealthwood. This property offers a combination of lakeshore, a manageable one-level home, covered outdoor space, finished and heated garage space, and additional storage. Whether used as a full-time residence or a recreational property, the home provides a lakeside setting with approximately 151 feet of shoreline on Lake Mille Lacs.

39395 Twilight Road, Onamia

Listing courtesy of Whitetail Properties Real Estate.

$369,900

ACTIVE Status ⋅ 4 Beds ⋅ 3 Baths ⋅ 7131192 MLS ⋅ 1,802 SqFt.

Rare opportunity for outdoor enthusiasts and hunters alike! This 4-bedroom, 3-bathroom home sits on 40 heavily wooded acres with direct access to the Rum River State Forest, offering unmatched privacy and prime hunting right out your back door. With no visible neighbors, this property feels like your own private wilderness escape while still offering the comforts of a beautifully finished home. Inside, enjoy the luxury of in-floor heat on both the main and upper levels, keeping every room comfortable through Minnesota winters. The spacious primary suite features a private en-suite bath and a walk-in closet, while three additional bedrooms provide plenty of room for family or guests. The 3-stall insulated garage provides space for hobbies, vehicles, ATVs, hunting gear, or a workshop. Whether you're a hunting enthusiast, exploring your own trails, or simply craving seclusion surrounded by mature woods, this property delivers a true north-woods lifestyle with year-round comfort.

16962 State Highway 27, Onamia

Listing courtesy of Premier Real Estate Services.

$295,000

ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 7125006 MLS ⋅ 1,107 SqFt.

Rare opportunity to own 39 acres of high, open ground just minutes from Onamia, Mille Lacs Lake, and the Soo Line Trail! Acreage has been used as hay ground in recent years and offers excellent potential for a hobby farm, agricultural use, recreation, or country living. Property includes a 2-bedroom, 1.5-bath farmhouse in need of repairs and updating, with a recently upgraded water heater and on-demand boiler heating system. Multiple outbuildings provide plenty of storage and utility, including a 1-stall enclosed garage, detached 1-stall garage, large pole barn, and 3-stall open pole lean-to shed. Estate sale; property is being sold AS-IS. Septic is believed to be noncompliant. Great opportunity for buyers looking for usable acreage, existing buildings, and a convenient location near area amenities. Don't wait, check it out today.

35053 180th Avenue, Onamia

Listing courtesy of Straka Real Estate.

$399,900

ACTIVE Status ⋅ 3 Beds ⋅ 3 Baths ⋅ 7103954 MLS ⋅ 2,766 SqFt.

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.

39512 92nd Avenue, Onamia

Listing courtesy of Keller Williams Realty Professionals.

$325,000

ACTIVE Status ⋅ 4 Beds ⋅ 1 Baths ⋅ 7069490 MLS ⋅ 1,206 SqFt.

Welcome to this 4 bed 1 bath home sitting on 39.94 acres. This property is in a prime location just minutes from Mille Lacs Lake. One of the best fisheries Minnesota has to offer. This home and acreage is also less than half a mile from Kathio State Park giving you even more opportunities for outdoor activities. If you are looking for a great place to start a hobby farm or a quality tract to start your hunting camp, you will definitely want to give this tract a closer look. This diverse ground offers open areas that could be converted into pasture for livestock or carved into secluded food plots to draw in all kinds of wildlife. This area has been known to produce some real nice Whitetails in the past. You will find heavily used game trails winding throughout the property. If you are looking for a property that will give you the seclusion and privacy you are looking for but also in close proximity to all of the resorts, casino, and public attractions the area has to offer, this may be a situation for you! Schedule your showing today.

18467 Vineland Road, Onamia

Listing courtesy of Weiss Realty LLC.

$250,000

ACTIVE Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 7048232 MLS ⋅ 980 SqFt.

This lake home offers the perfect blend of privacy, comfort, and Minnesota charm. This inviting property comes with two spacious lots with 200 feet of lake front surrounded by natural beauty, making it an ideal retreat for those seeking a quieter pace of life or a weekend escape from the city. Seller is willing to leave mostly furnished also will be including the boat lift and dock. Enjoy those summer days fishing, swimming, bonfires at night and relax with friends and family on the deck with beautiful lake views. With close access to the casino for more entertainment this is the perfect getaway spot.

14693 Twilight Road, Onamia

Listing courtesy of Coldwell Banker Realty.

$290,000

ACTIVE Status ⋅ 1 Beds ⋅ 1 Baths ⋅ 7055236 MLS ⋅ 576 SqFt.

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!

15379 Twilight Road, Onamia

Listing courtesy of Edina Realty, Inc..

$299,900

ACTIVE Status ⋅ 3 Beds ⋅ 2 Baths ⋅ 7043442 MLS ⋅ 1,435 SqFt.

Hardwood floors flow throughout most of this beautiful 3BR/2BA home, ideally located on Par 5 Dr along the 10th hole of Izaty’s Black Brook Golf Course. Enjoy an unbeatable setting just minutes from Izaty’s Marina and Resort. This property is not part of an association, offering added flexibility and freedom. The expansive wrap-around deck is perfect for entertaining or relaxing while taking in the scenic surroundings. Inside, the open living room is filled with natural light from large windows, creating a warm and inviting atmosphere. The adjoining kitchen features a breakfast bar and stainless steel appliances, ideal for everyday living and hosting. The private primary suite includes a walk-in closet and en-suite bath for added comfort. Set on over a half-acre lot, the outdoor space is perfect for gathering with family and friends. A one car garage provides convenient space for all your outdoor equipment.

40491 Par Five Drive, Onamia

Listing courtesy of RE/MAX Results.

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