21175 Hardwood Loop, Finlayson, MN 55735 Property Records

Pine County property record for 21175 Hardwood Loop, Finlayson, MN 55735 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,248 sqft · built 2006
Lot Size	11.6 acres (506,080 sqft)
Owner	Individual Name on File
Last Sale	$189,900 (Oct 2019)
Tax Bill	$2,368 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05.5110.000`

Property Details

APN / Parcel Number

Primary APN	`05.5110.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	1,088 sqft
Basement Area	832 sqft
Finished Basement	832 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	506,080 sqft (11.6 acres)
Lot Width	57.5 ft Width
Garage Area	960 sqft

Exterior Amenities

Porch	Slab
Porch Area	256 sqft
Deck Area	336 sqft
Shed	1 Shed
Shed Area	64 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	21175 HARDWOOD LOOP
City	FINLAYSON
State	MN
Zip	55735-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-24 TWP-044 RANGE-021 PINE RIVER HGTS 2ND ADD LOT-006 BLOCK-002 5.00 AC ALSO 1/40TH INT OUTLOT A & OUTLOT B MICRO
Legal Range	021
Legal Township	044
Legal Section	24
Legal Subdivision	PINE RIVER HGTS 2ND ADD
Legal Block	2
Legal Lot Number	6,A,B
Jurisdiction	PINE MN
Township / Civil Division	BREMEN
Census Block Group	1
Census Block	1067
Census Tract	950200

Owner

Source: Pine County records · APN 05.5110.000

Assessment roll updated August 10, 2026 · Last verified August 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 File
Mailing Address	21175 HARDWOOD LOOP, FINLAYSON, MN 55735-4546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 09, 2021	Deed of Trust, Mortgage · USDA Mortgage USDA
Oct 01, 2019	Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 01, 2019 · Amount on Record
Deed Sale	Oct 01, 2019 · Amount on Record
Prior Sale	Oct 25, 2011 · Amount on Record
Deed Document Number	2019548970
Last Transfer Date	Jun 09, 2023
Transfer Doc	0000576342
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	21175 HARDWOOD LOOP, FINLAYSON, MN 55735-4546
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000560553
Date	Apr 09, 2021
Instrument	560553

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Oct 01, 2049

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINE MN
Recording Date	Oct 01, 2019
Property Address	21175 HARDWOOD LOOP, FINLAYSON, MN 55735-4546
Document Number	0000548970
Instrument Date	Sep 26, 2019
Instrument	548970
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$626.67
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	21175 HARDWOOD LOOP, FINLAYSON, MN 55735-4546

Mortgage

Document Number	0000548971
Date	Oct 01, 2019
Instrument	548971

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Pine County records · Assessment roll updated August 10, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$351,000 (+6.17%) Land $70,400 Building $280,600	$351,000 (+6.17%) Land $70,400 Building $280,600
2025	$2,368.00 (+12.65%) Homeowner's exemption	$330,600 (+15.76%) Land $56,900 Building $273,700	$330,600 (+15.76%) Land $56,900 Building $273,700
2023	$2,102.00 Homeowner's exemption	$285,600 Land $50,500 Building $235,100	$285,600 Land $50,500 Building $235,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Pine County (27115C), updated April 3, 2012 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271159502001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 18 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	DSL	10 / 1
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile 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