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Single Family ResidenceResidential
$108,441$93 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $72,000 on Apr 7, 2006

20864 HARDWOOD LOOP

FINLAYSON, MN 55735
1
Beds
1
Baths
1,164 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
11.82 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$108K
$93K low$124K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$72,000 · Apr 7, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$790 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$146,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$77,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$134,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$146,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.28 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyPINE
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1992
Lot (acres)The size of the land the home sits on, from county records.11.82
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 64 ft²Porch · 260 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Willow River Secondary SchoolD+
Middle · Grades 7–12 · 5.5 mi
E
Willow River Elementary SchoolC+
Elementary · Grades PK–6 · 5.5 mi

District: Willow River Public School District

Neighborhood · ZIP 55735These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.127
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.7

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.63%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.1,717
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.12 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,326
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$75,549
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20864 Hardwood Loop measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 91% of homes in Finlayson 55735
  • Costs less per square foot than 98% of homes in Finlayson 55735
  • Has a bigger lot than 72% of homes in Pine County

What homes are worth in Finlayson 55735

Each bar is how many homes fall in that price range. The marker is this home.

This home
$69K$633K

This home is worth more than 9% of homes in Finlayson 55735.

How it measures up in Finlayson 55735

The dot is this home. The mark in the middle is the typical home in Finlayson 55735.

Estimated value$108,441
CheaperTypical $236,215Pricier

Pricier than 9% of homes nearby

Price per ft²$93
CheaperTypical $220Pricier

Pricier than 2% of homes nearby

Living area1,164 ft²
SmallerTypical 1,160 ft²Bigger

Bigger than 51% of homes nearby

Lot size11.82 ac
SmallerTypical 6.82 acBigger

Bigger than 63% of homes nearby

Year built1983
OlderTypical 1983Newer

Newer than 51% of homes nearby

How 20864 Hardwood Loop ranks against every home in each area.
MeasureThis homeFinlayson 55735Pine County
Estimated valuepricier than$108,4419% of homes16% of homes
Price per ft²pricier than$932% of homes5% of homes
Living areabigger than1,164 ft²51% of homes48% of homes
Lot sizebigger than11.82 ac63% of homes72% of homes
Year builtnewer than198351% of homes46% of homes

About 20864 Hardwood Loop

How much is 20864 Hardwood Loop, Finlayson, MN worth?

The TopHap Estimate for 20864 Hardwood Loop, Finlayson, MN is $108,441 as of Aug 30, 2026. The likely range is $93,057 to $123,825. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20864 Hardwood Loop, Finlayson, MN last sell?

20864 Hardwood Loop, Finlayson, MN last sold on Apr 7, 2006 for $72,000, according to the county's recorded deed.

How big is 20864 Hardwood Loop, Finlayson, MN?

20864 Hardwood Loop, Finlayson, MN has 1 bedrooms, 1 bathrooms, 1,164 square feet of living space and a 11.82-acre lot.

When was 20864 Hardwood Loop, Finlayson, MN built?

20864 Hardwood Loop, Finlayson, MN was built in 1983, making it 43 years old. It is a ranch home. The building has 1 story.

What schools serve 20864 Hardwood Loop, Finlayson, MN?

20864 Hardwood Loop, Finlayson, MN is assigned to Willow River Secondary School (middle), rated D+; Willow River Elementary School (elementary), rated C+. All sit in Willow River Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20864 Hardwood Loop, Finlayson, MN compare to other homes in Finlayson 55735?

Among the 1,692 homes in Finlayson 55735, it is worth more than 9% of them ($108,441 against a typical $236,215), its price per square foot is higher than 2% of them ($93 against a typical $220), it is bigger than 51% of them (1,164 ft² against a typical 1,160 ft²), its lot is bigger than 63% of them (11.82 ac against a typical 6.82 ac) and it is newer than 51% of them (1983 against a typical 1983). Measured against all of Pine County, it is worth more than 16% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20864 Hardwood Loop, Finlayson, MN?

The 2025 property tax bill for 20864 Hardwood Loop, Finlayson, MN was $790. The county assessed it at $146,400.

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