19981 Hardwood Loop, Finlayson, MN 55735 Property Records

Pine County property record for 19981 Hardwood Loop, Finlayson, MN 55735

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 624 sqft · built 1999
Lot Size	11.8 acres (514,966 sqft)
Owner	Individual Name on File
Last Sale	$59,182 (May 2019)
Tax Bill	$1,102 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05.5080.000`

Property Details

APN / Parcel Number

Primary APN	`05.5080.000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	624 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Tilt-Up Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	514,966 sqft (11.8 acres)
Lot Dimensions	460 ft deep x 41.3 ft wide
Garage Area	1,700 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	19981 HARDWOOD LOOP
City	FINLAYSON
State	MN
Zip	55735-4247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-24 TWP-044 RANGE-021 PINE RIVER HGTS 1ST ADD LOT-001 BLOCK-003 5.20 AC AND A 1/40TH INT IN OUTLOT A & B, PINE RIVER HGTS
Legal Range	021
Legal Township	044
Legal Section	24
Legal Subdivision	PINE RIVER HGTS 1ST ADD
Legal Block	3
Legal Lot Number	1,A
Jurisdiction	PINE MN
Township / Civil Division	BREMEN
Census Block Group	1
Census Block	1067
Census Tract	950200

Owner

19981 Hardwood Loop is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	19981 HARDWOOD LOOP, FINLAYSON, MN 55735-4247
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
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage SERVION INC
May 31, 2019	Warranty Deed, Transfer · Conventional Mortgage SERVION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Deed Document Number	2019546574
Prior Transfer Date	Jan 3, 2014
Prior Transfer Doc	512547
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	19981 HARDWOOD LOOP, FINLAYSON, MN 55735-4247
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000562524
Date	Jun 28, 2021
Instrument	562524

Lender

Name	SERVION INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINE MN
Recording Date	May 31, 2019
Property Address	19981 HARDWOOD LOOP, FINLAYSON, MN 55735-4247
Document Number	0000546574
Instrument Date	Apr 16, 2019
Instrument	546574
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	SERVION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19981 HARDWOOD LOOP, FINLAYSON, MN 55735-4247

Mortgage

Document Number	0000546575
Date	May 31, 2019
Instrument	546575

Lender

Name	SERVION INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 19981 Hardwood Loop was $1,102 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	Bremen Township
Unified School District	Willow River Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,100 (+3.8%) Land $94,100 Building $86,000	$180,100 (+3.8%) Land $94,100 Building $86,000
2025	$1,102.00 Homeowner's exemption	$173,500 Land $89,600 Building $83,900	$173,500 Land $89,600 Building $83,900
2023	$970.00 Homeowner's exemption	$143,600 Land $73,400 Building $70,200	$143,600 Land $73,400 Building $70,200

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

Flood

FEMA maps place 19981 Hardwood Loop in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1997–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2016 · river or lake flooding

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 19981 Hardwood Loop is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.03% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Hardwood Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures