8855 Cramer Rd, Finland, MN 55603 Property Records

Lake County property record for 8855 Cramer Rd, Finland, MN 55603

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,030 sqft · built 2007
Lot Size	1.29 acres (56,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Dec 2020)
Tax Bill	$3,052 (2026)
Deeds & Mortgages	Dec 2020 Refinance Dec 2020 Sale
APN	`24-5711-01010`

Property Details

APN / Parcel Number

Primary APN	`24-5711-01010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,030 sqft Gross Area
1st Floor Area	1,030 sqft
Flooring	Vinyl/Resilient
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Wood
Lot Area	56,192 sqft (1.29 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Porch	Open Porch
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	8855 CRAMER RD
City	FINLAND
State	MN
Zip	55603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLOCK 1 - CIC NO 29
Legal Range	06W
Legal Township	59N
Legal Section	27
Legal Subdivision	THE VILLAGE AT NINEMILE
Legal Block	1
Legal Lot Number	1
Jurisdiction	LAKE MN
Township / Civil Division	LAKE NO. 1
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	2017 GOODRICH AVE, SAINT PAUL, MN 55105-1547
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AXIA FINANCIAL LLC
Dec 21, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Dec 31, 2014 · Amount on Record
Deed Document Number	2020195995
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE MN
Property Address	8855 CRAMER RD, FINLAND, MN 55603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000196039
Date	Dec 28, 2020
Instrument	A000196039

Lender

Name	AXIA FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Dec 21, 2020
Property Address	8855 CRAMER RD, FINLAND, MN 55603
Document Number	A000195995
Instrument Date	Nov 16, 2020
Instrument	A000195995
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	2017 GOODRICH AVE, SAINT PAUL, MN 55105-1547

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	$3,052.00	$468,300 (+3.31%) Land $79,000 Building $389,300	$468,300 (+3.31%) Land $79,000 Building $389,300
2023		$453,300 Land $65,300 Building $388,000	$453,300 Land $65,300 Building $388,000

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	Moderate above 52% of the US · above 80% 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, as of December 31, 2025

Cell Coverage

5G and 4G LTE (outdoors only)

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