8915 Cramer Rd, Finland, MN 55603 Property Records

Lake County property record for 8915 Cramer Rd, Finland, MN 55603

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 816 sqft · built 1987
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Nov 2025)
Tax Bill	$1,176 (2026)
Deeds & Mortgages	Nov 2025 Sale Dec 2021 Transfer + 1 more
APN	`24-5906-22675`

Property Details

APN / Parcel Number

Primary APN	`24-5906-22675`

Interior

Bedrooms	2 Beds
Stories	1 Story
Building Area	816 sqft Gross Area
1st Floor Area	426 sqft
Utility Area	288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Wood
Lot Area	261,360 sqft (6 acres)

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Porch	Patio
Porch Area	160 sqft
Deck Area	16 sqft
Lean-To	91 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Wood

Location & Zoning

Street Address	8915 CRAMER RD
City	FINLAND
State	MN
Zip	55603
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	6 ACRES OUT OF LOT 5 AS DESC IN BK 95 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

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	11725 262ND ST, CHISAGO CITY, MN 55013-9784
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM
Dec 30, 2021	Quit Claim Deed, Transfer Quitclaim
Dec 30, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Deed Document Number	20251826956
Prior Transfer Date	Nov 29, 2021
Prior Transfer Doc	0000199267
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE MN
Recording Date	Nov 19, 2025
Property Address	8915 CRAMER RD, FINLAND, MN 55603
Document Number	A000207359
Instrument Date	Nov 14, 2025
Instrument	A000207359
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

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	11725 262ND ST, CHISAGO CITY, MN 55013-9784

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Dec 30, 2021
Property Address	8915 CRAMER RD, FINLAND, MN 55603
Document Number	A000199268
Instrument Date	Dec 6, 2021
Instrument	A000199268
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1919 HIGHWAY 96 E, WHITE BEAR LAKE, MN 55110-3633

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE MN
Recording Date	Dec 30, 2021
Property Address	8915 CRAMER RD, FINLAND, MN 55603
Document Number	A000199267
Instrument Date	Nov 29, 2021
Instrument	A000199267
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1919 HIGHWAY 96 E, WHITE BEAR LAKE, MN 55110-3633

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	$1,176.00 (-5.47%)	$215,200 (+6.32%) Land $128,900 Building $86,300	$215,200 (+6.32%) Land $128,900 Building $86,300
2025	$1,244.00	$202,400 (-0.59%) Land $117,000 Building $85,400	$202,400 (-0.59%) Land $117,000 Building $85,400
2023		$203,600 Land $117,000 Building $86,600	$203,600 Land $117,000 Building $86,600

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 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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

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