Pine County property record for 20975 Hardwood Loop, Finlayson, MN 55735
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 784 sqft · built 2014 |
| Lot Size | 11.8 acres (516,927 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $45,000 (Aug 2005) |
| Tax Bill | $858 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.5108.000 |
| Primary APN | 05.5108.000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 784 sqft Living Area |
| Gross Area | 464 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Ranch |
| Exterior Material | Other |
| Construction Type | Tilt-Up Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Galvanized Metal |
| Lot Area | 516,927 sqft (11.8 acres) |
| Lot Width | 57.5 ft Width |
| Garage Area | 864 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Convection |
| Street Address | 20975 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-004 BLOCK-002 5.00 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 | 4 |
| Jurisdiction | PINE MN |
| Township / Civil Division | BREMEN |
| Census Block Group | 1 |
| Census Block | 1067 |
| Census Tract | 950200 |
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 | 20975 HARDWOOD LOOP, FINLAYSON, MN 55735-4390 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2005 · Amount on Record |
| Deed Sale | Aug 23, 2005 · Amount on Record |
| Deed Document Number | 2005447136 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PINE MN |
| Property Address | 20975 HARDWOOD LOOP, FINLAYSON, MN 55735-4390 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 549200 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 549200 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 15, 2039 |
| Rate Type | Fixed Rate |
|---|
Source: Pine County assessment roll, as of August 10, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Pine County |
| County Subdivision | Bremen Township |
| Unified School District | Willow River Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $164,700 (+15.01%) Land $72,500 Building $92,200 | $164,700 (+15.01%) Land $72,500 Building $92,200 | |
| 2025 | $858.00 (-58.99%) Homeowner's exemption | $143,200 (+10.58%) Land $50,900 Building $92,300 | $143,200 (+10.58%) Land $50,900 Building $92,300 |
| 2023 | $2,092.00 Homeowner's exemption | $129,500 Land $45,500 Building $84,000 | $129,500 Land $45,500 Building $84,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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.
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.
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 |
4G LTE (outdoors only), no 5G reported
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