7064 Cramer Rd, Finland, MN 55603 Property Records

Lake County property record for 7064 Cramer Rd, Finland, MN 55603

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 768 sqft · built 2017
Lot Size	19.4 acres (848,113 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (May 2023)
Tax Bill	$3,068 (2026)
Deeds & Mortgages	Sep 2017 Mortgage May 2023 Sale + 1 more
APN	`27-5707-11440`

Property Details

APN / Parcel Number

Primary APN	`27-5707-11440`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Gross Area
1st Floor Area	768 sqft
Utility Area	120 sqft
Flooring	Earth/Dirt
Interior Walls	Vinyl Panel/Coating
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Flat
Roof Material	Wood
Lot Area	848,113 sqft (19.4 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio
Porch Area	288 sqft
Deck Area	120 sqft
Pole Barn	780 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	7064 CRAMER RD
City	FINLAND
State	MN
Zip	55603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PART OF SE14 OF NW14 AS DESC IN DOC NO
Legal Range	07W
Legal Township	57N
Legal Section	11
Jurisdiction	LAKE MN
Township / Civil Division	CRYSTAL BAY
Census Block Group	2
Census Block	2197
Census Tract	370101

Owner

7064 Cramer Rd is owned by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	7207 BLACK BOB DR, STILWELL, KS 66085-9461
Owner Type	Individual

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
Sep 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE FCU
May 19, 2023	Warranty Deed, Transfer
Feb 23, 2021	Quit Claim Deed, Transfer · Conventional Mortgage NORTH SHORE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on File
Deed Sale	May 17, 2023 · Amount on File
Prior Sale	May 1, 2008 · Amount on File
Deed Document Number	20231535811
Prior Transfer Date	Feb 8, 2021
Prior Transfer Doc	0000196546
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	7064 CRAMER RD, FINLAND, MN 55603
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000188369
Date	Sep 20, 2017
Instrument	A000188369

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 5, 2032

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	May 19, 2023
Property Address	7064 CRAMER RD, FINLAND, MN 55603
Document Number	A000202288
Instrument Date	May 17, 2023
Instrument	A000202288
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7207 BLACK BOB DR, STILWELL, KS 66085-9461

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Feb 23, 2021
Property Address	7064 CRAMER RD, FINLAND, MN 55603
Document Number	A000196546
Instrument Date	Feb 8, 2021
Instrument	A000196546
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7064 CRAMER RD, FINLAND, MN 55603

Mortgage

Document Number	A000196547
Date	Feb 23, 2021
Instrument	A000196547

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 7064 Cramer Rd was $3,068, up 31% from the year before.

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	$3,068.00 (+31%)	$383,700 (+6.23%) Land $90,500 Building $293,200	$383,700 (+6.23%) Land $90,500 Building $293,200
2025	$2,342.00	$361,200 Land $94,100 Building $267,100	$361,200 Land $94,100 Building $267,100
2023		$306,500 (+28.57%) Land $47,500 Building $259,000	$306,500 (+28.57%) Land $47,500 Building $259,000
2022		$238,400 Land $47,500 Building $190,900	$238,400 Land $47,500 Building $190,900

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

Flood

FEMA has no flood map on file for 7064 Cramer Rd; there have been 1 flood claim nearby since 2017.

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

Wildfire risk around 7064 Cramer 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 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

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

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