7921 Cramer Rd, Finland, MN 55603 Property Records

Lake County property record for 7921 Cramer Rd, Finland, MN 55603

Property Summary

Property Type	Single Family Home
Details	2 bd · 835 sqft · built 2018
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Dec 2024)
Tax Bill	$1,428 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2023 Refinance + 2 more
APN	`24-5806-17490`

Property Details

APN / Parcel Number

Primary APN	`24-5806-17490`

Interior

Bedrooms	2 Beds
Full Baths	0.75 Baths
Stories	1 Story
Building Area	835 sqft Gross Area
1st Floor Area	835 sqft
Utility Area	32 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Dome
Exterior Material	Metal
Construction Type	Wood
Roof Material	Wood
Lot Area	1,742,400 sqft (40 acres)

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio
Porch Area	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	7921 CRAMER RD
City	FINLAND
State	MN
Zip	55603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE14 OF SW14
Legal Range	06W
Legal Township	58N
Legal Section	17
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 1
Census Block Group	2
Census Block	2160
Census Tract	370101

Owner

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	2047 BAYARD AVE, SAINT PAUL, MN 55116-1203
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage SAGE HOME LOANS CORP
Feb 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PARK STATE BANK
Jun 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE BANK
Apr 28, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2024 · Amount on Record
Deed Sale	Dec 16, 2024 · Amount on Record
Prior Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	20241721553
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	7921 CRAMER RD, FINLAND, MN 55603
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000207178
Date	Oct 24, 2025
Instrument	A000207178

Lender

Name	SAGE HOME LOANS CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	7921 CRAMER RD, FINLAND, MN 55603
Transaction Type	Mortgage
Record Updated	Aug 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000201854
Date	Feb 13, 2023
Instrument	A000201854

Lender

Name	PARK STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2028

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	7921 CRAMER RD, FINLAND, MN 55603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000192053
Date	Jun 26, 2019
Instrument	A000192053

Lender

Name	LAKE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Apr 28, 2017
Property Address	7921 CRAMER RD, FINLAND, MN 55603
Document Number	A000187400
Instrument Date	Apr 13, 2017
Instrument	A000187400
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,428.00	$283,200 (+41.39%) Land $86,500 Building $196,700	$283,200 (+41.39%) Land $86,500 Building $196,700
2023		$200,300 Land $69,400 Building $130,900	$200,300 Land $69,400 Building $130,900

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	Moderate above 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.07% 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)
Starlink Satellite	280 / 30

Cell Coverage

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

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