20663 Hardwood Loop, Finlayson, MN 55735 Property Records

Pine County property record for 20663 Hardwood Loop, Finlayson, MN 55735

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 400 sqft · built 1992
Lot Size	12.3 acres (536,485 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Jun 2026)
Tax Bill	$960 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`05.5090.000`

Property Details

APN / Parcel Number

Primary APN	`05.5090.000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	400 sqft Living Area
Gross Area	472 sqft
Flooring	Laminate Plank
Interior Walls	Paneling

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Galvanized Metal
Lot Area	536,485 sqft (12.3 acres)
Lot Dimensions	1,020 ft deep x 31 ft wide
Deck Area	66 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	20663 HARDWOOD LOOP
City	FINLAYSON
State	MN
Zip	55735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-24 TWP-044 RANGE-021 PINE RIVER HGTS 1ST ADD LOT-011 BLOCK-003 5.70 AC & 1/40TH UND INT IN OUTLOT A & B MICRO
Legal Range	021
Legal Township	044
Legal Section	24
Legal Subdivision	PINE RIVER HGTS 1ST ADD
Legal Block	3
Legal Lot Number	11,A
Jurisdiction	PINE MN
Township / Civil Division	BREMEN
Census Block Group	1
Census Block	1067
Census Tract	950200

Owner

20663 Hardwood Loop is owned by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	4111 WEBSTER AVE S, MINNEAPOLIS, MN 55416-3141
Owner Type	Individual
Vesting	Joint Tenants

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 23, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Jun 28, 2019	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2026 · Amount on File
Deed Sale	Jun 23, 2026 · Amount on File
Prior Sale	Jun 28, 2019 · Amount on File
Deed Document Number	2026594762
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINE MN
Recording Date	Jun 23, 2026
Property Address	20663 HARDWOOD LOOP, FINLAYSON, MN 55735
Document Number	0000594762
Instrument Date	Jun 16, 2026
Instrument	2026594762
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	TITLE TEAM LLC, TITLE TEAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64,993.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4111 WEBSTER AVE S, MINNEAPOLIS, MN 55416-3141

Mortgage

Document Number	0000594762,
Date	Jun 23, 2026
Instrument	2026594762

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINE MN
Recording Date	Jun 28, 2019
Property Address	20663 HARDWOOD LOOP, FINLAYSON, MN 55735
Document Number	0000547101
Instrument Date	Jun 12, 2019
Instrument	547101
Transaction Type	Transfer
Record Updated	Sep 12, 2023
Title Company	LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20663 HARDWOOD LOOP, FINLAYSON, MN 55735

Mortgage

Document Number	0000547102
Date	Jun 28, 2019
Instrument	547102

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20663 Hardwood Loop was $960.

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		$144,100 (+4.65%) Land $81,100 Building $63,000	$144,100 (+4.65%) Land $81,100 Building $63,000
2025	$960.00	$137,700 Land $76,900 Building $60,800	$137,700 Land $76,900 Building $60,800
2023	$964.00	$124,900 Land $69,800 Building $55,100	$124,900 Land $69,800 Building $55,100

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

Flood

FEMA maps place 20663 Hardwood Loop in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 20663 Hardwood Loop 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 80% of the US · lower than 60% 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 18 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

5G (outdoors only) and 4G LTE

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