Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $944 (2025).

Does this home have a garage?

Yes, this home has a 10-car garage.

How long has this property been on the market?

This property has been listed for 217 days.

Listed at

$425,000

$172/sqft

491 Roosevelt Road

491 Roosevelt Road, Onamia, MN, 56359

4 Bedrooms4 Bathrooms2,470 Square Feet7.53 Acres

Days on market217

Year built2020

Garage spaces10

TypeResidential

Est. $9,750buyer credit when you buy with SODL

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About this home

Just minutes from town with quick access to Hwy 169, this stunning Rum River-front retreat offers the peace of country living with everyday convenience. Nestled on a tree-lined private setting, this newer home boasts one-level living with thoughtful design throughout. The spacious primary suite features a private bath and walk-in closet, while a second bedroom offers its own private ensuite—perfect for guests or multi-generational living. The open-concept layout flows into a sun-kissed living area and a charming kitchen with dedicated pantry ideal for home-cooked meals. Step out onto the covered south-facing patio and take in tranquil river views—your own slice of serenity. A generous 3-car attached garage provides ample space, but the real gem is the oversized outbuilding and newer hay barn—perfect for storage, livestock, or hobbies. Whether you're dreaming of hobby farming, kayaking on the Rum River, or just soaking up the country life, this property is ready to welcome you home.

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Home facts

Property typeResidential

Year built2020

LevelsOne

Living area2,470 sqft

Above-grade finished2,470 sqft

Below-grade finished0 sqft

Lot size7.53 acres (1131x483)

Days on market217

ListedFeb 23, 2026

MLS #NST7025127

CountyMille Lacs

Parcel #140060700

Facts & features

Interior

Bedrooms: 4
Bathrooms: 4
Bath breakdown: 2 full / 1 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Gas Water Heater, Microwave, Range, Refrigerator, Water Softener Owned

Property

Levels / stories: One
Garage: 10 spaces · 1,080 sqft
Parking features: Attached Garage, Detached Garage, Gravel, Concrete, Garage Door Opener, Paved Lot
Patio & porch: Covered, Rear Porch
Other structures: Garage(s), Pole Building, Storage Shed
Lot size: 7.53 acres

Construction

Property type: Residential
Foundation: 2,470 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 2020

Utilities

Water: Private, Well
Sewer: Mound Septic
Fuel: Propane
Electric: Circuit Breakers

Community & HOA

HOA: No HOA
School district: Onamia

Financial & listing details

Annual tax: $944 (2025)
Listed: Feb 23, 2026
Days on market: 217 · 187 cumulative
Manufactured home: Yes

Interior details

Total bathrooms4

Full baths2

3/4 baths1

Half baths1

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

LaundryGas Dryer Hookup, Laundry Room, Washer Hookup

AppliancesAir-To-Air Exchanger, Dishwasher, Gas Water Heater, Microwave, Range, Refrigerator, Water Softener Owned

DiningInformal Dining Room, Kitchen/Dining Room, Living/Dining Room

AmenitiesCeiling Fan(s), Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Porch, Tile Floors, Washer/Dryer Hookup, Walk-In Closet

AccessibilityGrab Bars In Bathroom, Door Lever Handles, No Stairs External, Partially Wheelchair, Roll-In Shower

Special features3 BR on One Level, 4 BR on One Level, All Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

RoofAge 8 Years or Less, Asphalt

Foundation area2,470 sqft

Patio/porchCovered, Rear Porch

Lot featuresIrregular Lot, Tree Coverage - Heavy

Road frontageCity Street, Paved Streets

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourcePrivate, Well

SewerMound Septic

FuelPropane

Parking & garage

ParkingAttached Garage, Detached Garage, Gravel, Concrete, Garage Door Opener, Paved Lot

Garage spaces10

Garage size1,080 sqft

Financial details

Annual taxes$944

Tax year2025

Taxes w/ assessments944

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number1792

District phone3205324174

High schoolOnamia

SODL flat fee brokerage

$9,750Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,750

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

Tour homes with SODL’s flexible showing network
Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,454/mo

Principal & interest$2,234

Property taxes$79

Home insurance (est.)$142

Down payment

$85,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.