Lake County property record for 8909 Cramer Rd, Finland, MN 55603
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 576 sqft · built 1997 |
| Lot Size | 5.05 acres (219,978 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Jun 2020) |
| Tax Bill | $1,310 (2026) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage |
| APN | 24-5906-22683 |
| Primary APN | 24-5906-22683 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 576 sqft Gross Area |
| 1st Floor Area | 576 sqft |
| Utility Area | 248 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Construction Type | Wood |
| Lot Area | 219,978 sqft (5.05 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Deck Area | 16 sqft |
| Lean-To | 80 sqft |
| Sauna | Sauna |
| Heating System | Space Heater |
|---|---|
| Heating Fuel | Gas |
| Street Address | 8909 CRAMER RD |
|---|---|
| City | FINLAND |
| State | MN |
| Zip | 55603 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | THAT PART OF GOV LOT 5 AS DESC IN BK 121 OF |
| Legal Range | 06W |
| Legal Township | 59N |
| Legal Section | 22 |
| Legal Lot Number | 5 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | LAKE NO. 1 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 370101 |
8909 Cramer Rd, a residential property, is owned and occupied by two individuals who bought it in June 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 | 8909 CRAMER RD, FINLAND, MN 55603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2020 · Amount on File |
| Deed Sale | Jun 9, 2020 · Amount on File |
| Deed Document Number | 2020194150 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Jun 9, 2020 |
| Property Address | 8909 CRAMER RD, FINLAND, MN 55603 |
| Document Number | A000194150 |
| Instrument Date | May 26, 2020 |
| Instrument | A000194150 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 8909 CRAMER RD, FINLAND, MN 55603 |
| Document Number | A000194151 |
|---|---|
| Date | Jun 9, 2020 |
| Instrument | A000194151 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jun 5, 2023 |
| Index | Other |
The 2026 property tax bill for 8909 Cramer Rd was $1,310.
Source: Lake County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lake County |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,310.00 | $264,800 Land $126,600 Building $138,200 | $264,800 Land $126,600 Building $138,200 |
| 2025 | $1,310.00 | ||
| 2023 | $225,600 Land $98,000 Building $127,600 | $225,600 Land $98,000 Building $127,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 8909 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 risk around 8909 Cramer Rd is moderate, ranking above 61% 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 61% of the US · above 84% 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.
Source: FCC Broadband Data Collection, based on 18 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 |
5G and 4G LTE (outdoors only)
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