3475 Whyte Rd, Finland, MN 55603 Property Records

Lake County property record for 3475 Whyte Rd, Finland, MN 55603

Property Summary

Property Type	Residential Vacant Land
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Last Sale	$89,900 (Jan 2024)
Tax Bill	$288 (2026)
Deeds & Mortgages	Jun 2023 Sale May 2017 Sale & Mortgage
APN	`20-5809-23070`

Property Details

APN / Parcel Number

Primary APN	`20-5809-23070`

Interior

Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Metal
Lot Area	1,742,400 sqft (40 acres)
Sauna	Sauna

Location & Zoning

Street Address	3475 WHYTE RD
City	FINLAND
State	MN
Zip	55603
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	NW14 OF NE14
Legal Range	09W
Legal Township	58N
Legal Section	23
Jurisdiction	LAKE MN
Township / Civil Division	STONY RIVER
Census Block Group	1
Census Block	1521
Census Tract	370101

Owner

Source: Lake County records, as of October 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	7249 NAVOTI TRL, FORT WORTH, TX 76131-2178
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Contract Sale, Transfer
May 24, 2017	Warranty Deed, Transfer · ARM NORTH SHORE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2024 · Amount on File
Deed Sale	Jan 16, 2024 · Amount on File
Prior Sale	Jun 20, 2023 · Amount on File
Deed Document Number	20241617809
Record Updated	Oct 29, 2026

June 2023: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	LAKE MN
Recording Date	Jun 26, 2023
Property Address	3475 WHYTE RD, FINLAND, MN 55603
Document Number	A000202485
Instrument Date	Jun 20, 2023
Instrument	A000202485
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
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	19 FLOYD CIR, SILVER BAY, MN 55614-1231

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	May 24, 2017
Property Address	3475 WHYTE RD, FINLAND, MN 55603
Document Number	A000187595
Instrument Date	May 15, 2017
Instrument	A000187595
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.60
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	A000187596
Date	May 24, 2017
Instrument	A000187596

Lender

Name	NORTH SHORE FCU
Type	Credit Union
Address	SILVER BAY, MN 55614

Agreement

Type	ARM
Amount	Amount on Record
Term	240 Months
Due	May 19, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	May 19, 2022
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Lake County
County Subdivision	Stony River Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$288.00 (+24.14%)	$58,500 (-0.17%) Land $58,500	$58,500 (-0.17%) Land $58,500
2025	$232.00	$58,600 (+21.83%) Land $58,600	$58,600 (+21.83%) Land $58,600
2023		$48,100 (+5.25%) Land $45,300 Building $2,800	$48,100 (+5.25%) Land $45,300 Building $2,800
2022		$45,700 Land $43,600 Building $2,100	$45,700 Land $43,600 Building $2,100

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 72% of Minnesota
Wildfire Likelihood	0.05% 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, as of December 31, 2025

Cell Coverage

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

Nearby Properties on Whyte Rd

Nearby Streets

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