Find Your Dream Home: Search 10,000+ Homes for Sale

39512 92nd Avenue, Onamia, MN 56359

New Listing

$429,900

Located in Cove Bay, South side of Mille Lacs Lake

30x40 Pole shed/ Heated and Insulated w/ a half bath.

30x40 Pole shed with over 200 amp service installed!

Laundry room with sink and a large closet!

Hallway and stairway/ Built in storm shelter under the stairs

Top of the stairs/ Family room to the left

Primary bedroom with a door to the massive deck!

Heated jetted tub in the primary bedroom

Huge family room overlooking Mille Lacs lake!

Vaulted Ceilings really make a difference!

There is a wet bar in the back of the family room

Attached finished/heated garage with a floor drain

Here, behind the shed is the property martker for the NE corner of the property

New marker for the SE side of the property

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,766 Lot Size (sq. ft.): 30,928 Status: Active

Current Price: $429,900 List Date: 7/10/2026 Last Modified: 7/10/2026

Overview

Description

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 througho ... (Read more) 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.

Listing Details MLS# 7103954

General Property Information

Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: Yes
Road Btwn WF & Home?: Yes
Waterfront YN: No
Year Built: 2002
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: 2
Bath Three Quarters: Yes
Main Floor Total SqFt: 1146
Above Grd Total SqFt: 2766
Total SqFt: 2766
Total Finished Sqft: 2766.00
FireplaceYN: Yes
Lake/Waterfront Name: Mille Lacs
Style: (SF) Single Family
Foundation Size: 1146
Power Company: Mille Lacs Energy Co-op
Garage Stalls: 6
Lot Dimensions: 199x153
Acres: 0.71
Assessment Pending: Yes
Bath Half: 0
Bath Quarter: 0
Below Grd Total SqFt: 0
Association Fee: 0

Property Features

Accessible: None Air Conditioning: Central Air Amenities Unit: Cable; Ceiling Fan(s); Deck; Kitchen Window; Paneled Doors; Panoramic View; Patio; Primary Bedroom Walk-In Closet; Tile Floors; Vaulted Ceiling(s); Walk-In Closet; Washer/Dryer Hookup; Wet Bar Appliances: Air-To-Air Exchanger; Cooktop; Dishwasher; Disposal; Double Oven; Dryer; Energy Star Appliances; Microwave; Refrigerator; Washer Assumable Loan: Not Assumable Basement: Concrete Block; Crawl Space; Drain Tiled; Sump Pump Bath Description: Main Floor 3/4 Bath; Upper Level Full Bath; 3/4 Primary; Private Primary; Jetted Tub; Separate Tub & Shower Construction Materials: Frame Construction Status: Previously Owned Dining Room Description: Living/Dining Room Electric: 200+ Amp Service; Circuit Breakers Exterior: Metal; Vinyl Family Room Characteristics: Family Room Fencing: None Fireplace Characteristics: Brick; Gas Burning; Living Room Foundation: Concrete Block Fuel: Natural Gas Heating: Forced Air; Heat Pump Internet Options: Cable; Fiber Optic; Satellite Laundry: Gas Dryer Hookup; Laundry Room; Main Level; Sink; Washer Hookup Lock Box Type: Combo Lot Description: Corner Lot; Tree Coverage - Light Outbuildings: Pole Building Parking Characteristics: Finished Garage; Multiple Garages; Garage Door Opener; Heated Garage; Insulated Garage Pool Description: None Property Subtype: Acreage; Rural Residential Road Frontage: Highway; State Road; Township Road Responsibility: Public Maintained Road Roof: Age 8 Years or Less; Asphalt Shingles; Pitched Sellers Terms: Cash; Conventional; FHA; MHFA/WHEDA; Rural Development; VA Sewer: Mound Septic; Private Sewer Special Search: 3 BR on One Level; Main Floor Laundry Stories: Two Water: 4-Inch Submersible; Drilled; Private; Well Waterfront Type: Lake View Waterfront View: Lake; Panoramic; West

Contract Information

Contingency: None
ListPrice: 429900
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 39512
Street Name: 92nd
Street Suffix: Avenue
Postal City: Onamia
County: Mille Lacs
State: MN
Zip Code: 56359

Assessments

Assessment Balance: 15
Tax With Assessments: 3900

Building Information

Finished SqFt Above Ground: 2766

More Information

Lake Details

Lake Acres: 128250
Lake Depth: 42

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

DP Resource: Yes
Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 22x22
Garage Square Feet: 484
Finished Garage: Yes
Multiple Garages: Yes
Garage Door Opener: Yes
Heated Garage: Yes
Insulated Garage: Yes

Public Survey Info

Range#: 26
Section#: 15
Township#: 42

Office/Member Info

Association: GLAR

Location, Tax and Other Information

AssocFeeYN: No
Legal Description: W 200 FT OF S 153 FT OF SE OF NE 15 42 26 .70
Listing City: Onamia
Map Page: 999
Municipality: Onamia
School District: Onamia
School District Phone: 320-532-4174
DNR Lake ID#: 48000200
DNR Lake Classification: General Development
Zip Plus 4: 7826
Property ID Number: 170153900
Tax Year: 2026
Tax Amount: 3885
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: 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.
Directions: From Wahkon, go West on State Highway 27 approx. 4 miles to 92nd Ave, property on the right.

Accessible

None: Yes

Air Conditioning

Central Air: Yes

Amenities Unit

Cable: Yes
Ceiling Fan(s): Yes
Deck: Yes
Kitchen Window: Yes
Paneled Doors: Yes
Panoramic View: Yes
Patio: Yes
Primary Bedroom Walk-In Closet: Yes
Tile Floors: Yes
Vaulted Ceiling(s): Yes
Walk-In Closet: Yes
Washer/Dryer Hookup: Yes
Wet Bar: Yes

Appliances

Air-To-Air Exchanger: Yes
Cooktop: Yes
Dishwasher: Yes
Disposal: Yes
Double Oven: Yes
Dryer: Yes
Energy Star Appliances: Yes
Microwave: Yes
Refrigerator: Yes
Washer: Yes

Assumable Loan

Not Assumable: Yes

Basement

Concrete Block: Yes
Crawl Space: Yes
Drain Tiled: Yes
Sump Pump: Yes

Bath Description

Main Floor 3/4 Bath: Yes
Upper Level Full Bath: Yes
3/4 Primary: Yes
Private Primary: Yes
Jetted Tub: Yes
Separate Tub & Shower: Yes

Construction Materials

Frame: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Living/Dining Room: Yes

Electric

200+ Amp Service: Yes
Circuit Breakers: Yes

Exterior

Metal: Yes
Vinyl: Yes

Family Room Characteristics

Family Room: Yes

Fencing

None: Yes

Fireplace Characteristics

Brick: Yes
Gas Burning: Yes
Living Room: Yes

Foundation

Concrete Block: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes
Heat Pump: Yes

Insurance Fee

Insurance Fee: 0

Internet Options

Cable: Yes
Fiber Optic: Yes
Satellite: Yes

Laundry

Gas Dryer Hookup: Yes
Laundry Room: Yes
Main Level: Yes
Sink: Yes
Washer Hookup: Yes

Lock Box Type

Combo: Yes

Lot Description

Corner Lot: Yes
Tree Coverage - Light: Yes

Outbuildings

Pole Building: Yes

Patio, Porch and Deck Features

Deck: Yes
Patio: Yes

Pool Description

None: Yes

Property Subtype

Acreage: Yes
Rural Residential: Yes

Road Frontage

Highway: Yes
State Road: Yes
Township: Yes

Road Responsibility

Public Maintained Road: Yes

Roof

Age 8 Years or Less: Yes
Asphalt Shingles: Yes
Pitched: Yes

Sellers Terms

Cash: Yes
Conventional: Yes
FHA: Yes
MHFA/WHEDA: Yes
Rural Development: Yes
VA: Yes

Sewer

Mound Septic: Yes
Private Sewer: Yes

Special Search

3 BR on One Level: Yes
Main Floor Laundry: Yes

Stories

Two: Yes

Water

4-Inch Submersible: Yes
Drilled: Yes
Private: Yes
Well: Yes

Waterfront Type

Lake View: Yes

Waterfront View

Lake: Yes
Panoramic: Yes
West: Yes

Room Information

Room Name	Level
Deck	Upper
Dining Room	Main
Family Room	Upper
First (1st) Bedroom	Upper
Garage	Main
Kitchen	Main
Laundry	Main
Living Room	Main
Patio	Main
Second (2nd) Bedroom	Upper
Third (3rd) Bedroom	Upper

Listing Office: Keller Williams Realty Professionals

Last Updated: July - 10 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.