8449 E General Grade, Finland, MN 55603 Property Records

Lake County property record for 8449 E General Grade, Finland, MN 55603

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 0.5 ba · 1,440 sqft · built 1999
Lot Size	42.1 acres (1,837,796 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Dec 2020)
Tax Bill	$216 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2020 Sale
APN	`20-5800-02010`

Property Details

APN / Parcel Number

Primary APN	`20-5800-02010`

Interior

Bedrooms	2 Beds
Full Baths	0.5 Baths
Stories	1 Story
Building Area	1,440 sqft Gross Area
1st Floor Area	1,440 sqft
Utility Area	304 sqft
Flooring	Earth/Dirt
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Wood
Lot Area	1,837,796 sqft (42.1 acres)

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Slab
Porch Area	48 sqft
Deck Area	15 sqft
Pole Barn	1,350 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas

Location & Zoning

Street Address	8449 E GENERAL GRADE
City	FINLAND
State	MN
Zip	55603-4005
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	NE 14 OF NE 14 OR LOT 1
Legal Range	08W
Legal Township	58N
Legal Section	02
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	STONY RIVER
Census Block Group	1
Census Block	1508
Census Tract	370101

Owner

8449 E General Grade, a residential property, is owned and occupied by two individuals who bought it in December 2020.

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	2 Individual Names on File
Mailing Address	8449 E GENERAL GRADE, FINLAND, MN 55603-4005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · ARM NORTH SHORE FEDERAL CREDIT UNION
Dec 16, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on File
Deed Sale	Dec 16, 2020 · Amount on File
Deed Document Number	2020195931
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	8449 E GENERAL GRADE, FINLAND, MN 55603
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000198805
Date	Oct 27, 2021
Instrument	A000198805

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 25, 2024
Index	Other

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Dec 16, 2020
Property Address	8449 E GENERAL GRADE, FINLAND, MN 55603
Document Number	A000195931
Instrument Date	Dec 9, 2020
Instrument	A000195931
Transaction Type	Transfer
Record Updated	Aug 24, 2021

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	Tenants in Common
Address	8449 E GENERAL GRADE, FINLAND, MN 55603

Tax Assessment & Valuation

The 2026 property tax bill for 8449 E General Grade was $216 with a homeowner's exemption, up 17.4% 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	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	$216.00 (+17.39%) Homeowner's exemption	$174,100 Land $77,300 Building $96,800	$174,100 Land $77,300 Building $96,800
2025	$184.00
2023		$109,900 Land $51,600 Building $58,300	$109,900 Land $51,600 Building $58,300

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 8449 E General Grade.

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

Wildfire risk around 8449 E General Grade is moderate, ranking above 69% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 88% of Minnesota
Wildfire Likelihood	0.1% 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

Nearby Properties on E General Grade

Nearby Streets

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