Lake County property record for 9041 Cramer Rd, Finland, MN 55603
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 228 sqft · built 2025 |
| Lot Size | 22 acres (958,320 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,500 (Sep 2026) |
| Tax Bill | $702 (2026) |
| Deeds & Mortgages | Sep 2026 Sale Dec 2020 Refinance + 1 more |
| APN | 24-5906-22190 |
| Primary APN | 24-5906-22190 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 228 sqft Gross Area |
| 1st Floor Area | 228 sqft |
| Utility Area | 240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Construction Type | Wood |
| Lot Area | 958,320 sqft (22 acres) |
| Pool Type | Pool with Hot Tub/Spa |
| Sauna | Sauna |
| Heating System | Space Heater |
|---|---|
| Heating Fuel | Gas |
| Street Address | 9041 CRAMER RD |
|---|---|
| City | FINLAND |
| State | MN |
| Zip | 55603 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | N 22 ACRES OF LOT 8 |
| Legal Range | 06W |
| Legal Township | 59N |
| Legal Section | 22 |
| Legal Lot Number | 8 |
| Jurisdiction | LAKE MN |
| Township / Civil Division | LAKE NO. 1 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 370101 |
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 | 1329 PLUMMER POINT RD NE, OUTING, MN 56662-4436 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed, Transfer |
| Dec 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DEERWOOD BANK |
| Sep 21, 2018 | Warranty Deed, Transfer · ARM NORTH SHORE FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2026 · Amount on File |
| Deed Sale | Sep 18, 2026 · Amount on File |
| Prior Sale | Sep 21, 2018 · Amount on File |
| Deed Document Number | 20261922992 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 18, 2026 |
| Property Address | 9041 CRAMER RD, FINLAND, MN 55603 |
| Document Number | 0001922992 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20261922992 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1329 PLUMMER POINT RD NE, OUTING, MN 56662-4436 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE MN |
| Property Address | 9041 CRAMER RD, FINLAND, MN 55603 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000195797 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | A000195797 |
| Name | DEERWOOD BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | Jan 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE MN |
| Recording Date | Sep 21, 2018 |
| Property Address | 9041 CRAMER RD, FINLAND, MN 55603 |
| Document Number | A000190617 |
| Instrument Date | Sep 6, 2018 |
| Instrument | A000190617 |
| 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 | 12032 SPRING RD SW, PILLAGER, MN 56473-2490 |
| Document Number | A000190618 |
|---|---|
| Date | Sep 21, 2018 |
| Instrument | A000190618 |
| Name | NORTH SHORE FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $702.00 | $176,600 (+36.48%) Land $135,500 Building $41,100 | $176,600 (+36.48%) Land $135,500 Building $41,100 |
| 2023 | $129,400 Land $96,900 Building $32,500 | $129,400 Land $96,900 Building $32,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 87% 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.
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