6971 Cramer Rd, Finland, MN 55603 Property Records

Lake County property record for 6971 Cramer Rd, Finland, MN 55603

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 bd · 1 ba · 580 sqft · built 2000
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Jul 2021)
Tax Bill	$1,470 (2026)
Deeds & Mortgages	Dec 2021 Sale Nov 2021 Sale + 1 more
APN	`27-5707-10550`

Property Details

APN / Parcel Number

Primary APN	`27-5707-10550`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	580 sqft Gross Area
1st Floor Area	580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Lot Area	435,600 sqft (10 acres)
Pool Type	Pool with Hot Tub/Spa
Deck Area	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas

Location & Zoning

Street Address	6971 CRAMER RD
City	FINLAND
State	MN
Zip	55603
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	E12 OF E12 OF NW14 OF SW14
Legal Range	07W
Legal Township	57N
Legal Section	10
Jurisdiction	LAKE MN
Township / Civil Division	CRYSTAL BAY
Census Block Group	2
Census Block	2197
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 Record
Mailing Address	PO BOX 659, FINLAND, MN 55603-0659
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 19, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 28, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHVIEW BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Deed Document Number	2021198034
Last Transfer Date	Dec 16, 2021
Transfer Doc	0000199183
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Dec 20, 2021
Property Address	6971 CRAMER RD, FINLAND, MN 55603
Document Number	A000199183
Instrument Date	Dec 16, 2021
Instrument	A000199183
Transaction Type	Transfer
Record Updated	Jan 12, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 N 4TH ST UNIT 301, 301, MINNEAPOLIS, MN 55401-1946

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Nov 19, 2021
Property Address	6971 CRAMER RD, FINLAND, MN 55603
Document Number	A000198983
Instrument Date	Sep 30, 2021
Instrument	A000198983
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Jul 28, 2021
Property Address	6971 CRAMER RD, FINLAND, MN 55603
Document Number	A000198034
Instrument Date	Jul 27, 2021
Instrument	A000198034
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Address	720 N 4TH ST UNIT 301, 301, MINNEAPOLIS, MN 55401-1946

Mortgage

Document Number	A000198035
Date	Jul 28, 2021
Instrument	A000198035

Lender

Name	NORTHVIEW BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,470.00 (+28.72%)	$186,600 (+13.99%) Land $53,000 Building $133,600	$186,600 (+13.99%) Land $53,000 Building $133,600
2025	$1,142.00
2023		$163,700 Land $44,700 Building $119,000	$163,700 Land $44,700 Building $119,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2017 · 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	0.03% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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