25985 Howard Rd, Finlayson, MN 55735 Property Records

Pine County property record for 25985 Howard Rd, Finlayson, MN 55735

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1981
Lot Size	1.55 acres (67,518 sqft)
Owner	Trust Name on File
Last Sale	$155,000 (Mar 2019)
Tax Bill	$2,122 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Mar 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`13.0344.000`

Property Details

APN / Parcel Number

Primary APN	`13.0344.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	1,440 sqft
Basement Area	912 sqft
Finished Basement	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	67,518 sqft (1.55 acres)
Garage Area	1,728 sqft
Driveway	Driveway
Driveway Area	192 sqft
Parking Spaces	6 Parking Spaces
Deck Area	144 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Baseboard

Location & Zoning

Street Address	25985 HOWARD RD
City	FINLAYSON
State	MN
Zip	55735-4280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-28 TWP-043 RANGE-020 1.55 AC THAT PART OF SOUTHEAST 1/4 OF SOUTHWEST 1/4 DESC AS FOLL: BEG AT SE CORNER OF SE1/4 OF
Legal Range	020
Legal Township	043
Legal Section	28
Jurisdiction	PINE MN
Township / Civil Division	FINLAYSON
Census Block Group	2
Census Block	2041
Census Tract	950300

Owner

25985 Howard Rd is owner-occupied and held in a trust since March 2019.

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

Owner of Record	Trust Name on File
Mailing Address	25985 HOWARD RD, FINLAYSON, MN 55735-4280
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage HIWAY FCU
Mar 20, 2019	Warranty Deed, Transfer LIBERTY TITLE AND ESCROW, LIBERTY TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2019 · Amount on File
Deed Sale	Mar 20, 2019 · Amount on File
Prior Sale	Aug 2, 2007 · Amount on File
Deed Document Number	2019545371
Prior Transfer Date	Mar 26, 2013
Prior Transfer Doc	507158
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINE MN
Property Address	25985 HOWARD RD, FINLAYSON, MN 55735-4280
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000579705
Date	Dec 18, 2023
Instrument	579705

Lender

Name	HIWAY FCU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 31, 2038

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PINE MN
Recording Date	Mar 20, 2019
Property Address	25985 HOWARD RD, FINLAYSON, MN 55735-4280
Document Number	545371
Instrument Date	Mar 13, 2019
Instrument	545371
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	LIBERTY TITLE AND ESCROW, LIBERTY TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$511.50
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	25985 HOWARD RD, FINLAYSON, MN 55735-4280

Tax Assessment & Valuation

The 2025 property tax bill for 25985 Howard Rd was $2,122.

Source: Pine County assessment roll, as of August 10, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Pine County
County Subdivision	Finlayson Township
Unified School District	East Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$237,700 (+6.35%) Land $61,700 Building $176,000	$237,700 (+6.35%) Land $61,700 Building $176,000
2025	$2,122.00	$223,500 Land $46,900 Building $176,600	$223,500 Land $46,900 Building $176,600
2023	$2,190.00	$232,600 Land $39,400 Building $193,200	$232,600 Land $39,400 Building $193,200

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

Flood

FEMA maps place 25985 Howard Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2016–2023)
Most Recent Claim	Apr 2023 · Severe Storms And 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 25985 Howard Rd 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 64% of the US · above 64% 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)
Midco Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

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