20907 Hardwood Loop, Finlayson, MN 55735 Property Records

Pine County property record for 20907 Hardwood Loop, Finlayson, MN 55735

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,096 sqft · built 2003
Lot Size	5.05 acres (219,978 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Dec 2024)
Tax Bill	$1,956 (2023)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05.5107.000`

Property Details

APN / Parcel Number

Primary APN	`05.5107.000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,096 sqft Living Area
Gross Area	1,916 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Tilt-Up Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	219,978 sqft (5.05 acres)
Lot Width	57.5 ft Width
Garage Area	892 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	744 sqft
Deck Area	24 sqft
Patio Area	480 sqft
Cabin	1 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20907 HARDWOOD LOOP
City	FINLAYSON
State	MN
Zip	55735-4390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-24 TWP-044 RANGE-021 PINE RIVER HGTS 2ND ADD LOT-003 BLOCK-002 5.05 AC & 1/40TH INT IN OUTLOTS A & B, PINE RIVER HEIGHTS
Legal Range	021
Legal Township	044
Legal Section	24
Legal Subdivision	PINE RIVER HGTS 2ND ADD
Legal Block	2
Legal Lot Number	3
Jurisdiction	PINE MN
Township / Civil Division	BREMEN
Census Block Group	1
Census Block	1067
Census Tract	950200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20907 HARDWOOD LOOP, FINLAYSON, MN 55735-4390
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHVIEW BANK & TRUST
Sep 26, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2024 · Amount on Record
Deed Sale	Dec 20, 2024 · Amount on Record
Prior Sale	Sep 26, 2022 · Amount on Record
Deed Document Number	2024585392
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Recording Date	Jun 3, 2026
Property Address	20907 HARDWOOD LOOP, FINLAYSON, MN 55735-4390
Document Number	0000594351
Instrument Date	May 29, 2026
Instrument	2026594351
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20907 HARDWOOD LOOP, FINLAYSON, MN 55735-4390

Mortgage

Document Number	0000594351,
Date	Jun 3, 2026
Instrument	2026594351

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	20907 HARDWOOD LOOP, FINLAYSON, MN 55735-4390
Transaction Type	Mortgage
Record Updated	Sep 12, 2023
Title Company	CARLTON COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000556991
Date	Nov 9, 2020
Instrument	556991

Lender

Name	NORTHVIEW BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINE MN
Recording Date	Sep 26, 2022
Property Address	20907 HARDWOOD LOOP, FINLAYSON, MN 55735-4390
Document Number	0000572318
Instrument Date	Aug 31, 2022
Instrument	572318
Transaction Type	Transfer
Record Updated	Sep 12, 2023
Title Company	@TITLE HINCKLEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$824.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20907 HARDWOOD LOOP, FINLAYSON, MN 55735-4390

Mortgage

Document Number	0000572319
Date	Sep 26, 2022
Instrument	572319

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$327,300 (+15.17%) Land $60,900 Building $266,400	$327,300 (+15.17%) Land $60,900 Building $266,400
2025	Homeowner's exemption	$284,200 (+5.97%) Land $45,400 Building $238,800	$284,200 (+5.97%) Land $45,400 Building $238,800
2023	$1,956.00 Homeowner's exemption	$268,200 Land $41,300 Building $226,900	$268,200 Land $41,300 Building $226,900

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

Flood

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

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

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

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