Lake County property record for 6977 Cramer Rd, Finland, MN 55603
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 2000 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $170,000 (Feb 2021) |
| Tax Bill | $2,432 (2026) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage |
| APN | 27-5707-10450 |
| Primary APN | 27-5707-10450 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 864 sqft Gross Area |
| 1st Floor Area | 824 sqft |
| Utility Area | 48 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Wood |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Deck Area | 261 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 6977 CRAMER RD |
|---|---|
| City | FINLAND |
| State | MN |
| Zip | 55603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W12 OF W12 OF SE14 OF NW14 |
| Legal Range | 07W |
| Legal Township | 57N |
| Legal Section | 10 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | CRYSTAL BAY |
| Census Block Group | 2 |
| Census Block | 2162 |
| Census Tract | 370101 |
Source: Lake County records, as of October 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10609 PINNACLE WAY, SAINT PAUL, MN 55129-4281 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2021 · Amount on Record |
| Deed Sale | Feb 4, 2021 · Amount on Record |
| Deed Document Number | 2021196378 |
| Prior Transfer Date | Apr 9, 2013 |
| Prior Transfer Doc | 0000178476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Feb 4, 2021 |
| Property Address | 6977 CRAMER RD, FINLAND, MN 55603 |
| Document Number | A000196378 |
| Instrument Date | Jan 25, 2021 |
| Instrument | A000196378 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 6977 CRAMER RD, FINLAND, MN 55603 |
| Document Number | A000196379 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | A000196379 |
| Name | SUMMIT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| County Subdivision | Crystal Bay Township |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,432.00 | $304,400 (+12.41%) Land $57,700 Building $246,700 | $304,400 (+12.41%) Land $57,700 Building $246,700 |
| 2023 | $270,800 Land $48,100 Building $222,700 | $270,800 Land $48,100 Building $222,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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