14689 Upper Lake Rd, Finlayson, MN 55735 Property Records

Pine County property record for 14689 Upper Lake Rd, Finlayson, MN 55735

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,472 sqft · built 1974
Lot Size	7.01 acres (305,356 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,828 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27.0338.001`

Property Details

APN / Parcel Number

Primary APN	`27.0338.001`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,472 sqft Living Area
Gross Area	1,568 sqft
Basement Area	1,056 sqft
Finished Basement	1,056 sqft
Utility Area	1 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	305,356 sqft (7.01 acres)
Garage Area	720 sqft
Driveway	Driveway
Driveway Area	240 sqft
Parking Spaces	3 Parking Spaces
Deck Area	96 sqft
Pole Barn	160 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard

Location & Zoning

Street Address	14689 UPPER LAKE RD
City	FINLAYSON
State	MN
Zip	55735-4440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-21 TWP-043 RANGE-021 7.01 AC THAT PART OF SOUTHEAST 1/4 DESC AS FOLL: COMM AT SE CORNER; THEN WEST 745.65 FT TO PT OF
Legal Range	021
Legal Township	043
Legal Section	21
Jurisdiction	PINE MN
Township / Civil Division	PINE LAKE
Census Block Group	3
Census Block	3044
Census Tract	950300

Owner

14689 Upper Lake Rd is owned and occupied by two individuals.

Source: Pine County records, as of August 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14689 UPPER LAKE RD, FINLAYSON, MN 55735-4440
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Jun 2, 2017	Deed of Trust, Mortgage WELLS FARGO BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	14689 UPPER LAKE RD, FINLAYSON, MN 55735-4440
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14689 UPPER LAKE RD, FINLAYSON, MN 55735-4440

Mortgage

Document Number	000A591020
Date	Nov 12, 2025
Instrument	A591020

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	14689 UPPER LAKE RD, FINLAYSON, MN 55735-4440
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000576081
Date	May 30, 2023
Instrument	576081

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	14689 UPPER LAKE RD, FINLAYSON, MN 55735-4440
Transaction Type	Mortgage
Record Updated	Jul 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	533676
Date	Jun 2, 2017
Instrument	533676

Lender

Name	WELLS FARGO BANK NATIONAL ASSOCIATION
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 14689 Upper Lake Rd was $1,828 with a homeowner's exemption.

Source: Pine County assessment roll, as of August 10, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Pine County
County Subdivision	Pine Lake Township
Unified School District	Hinckley-Finlayson School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$279,300 Land $82,100 Building $197,200	$279,300 Land $82,100 Building $197,200
2025	$1,828.00
2023	$1,618.00 Homeowner's exemption	$241,000 Land $56,700 Building $184,300	$241,000 Land $56,700 Building $184,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 14689 Upper Lake Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 3, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 14689 Upper Lake Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	1,000 / 1,000

May also be available: GigFire.

Cell Coverage

5G (outdoors only) and 4G LTE

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