Listed at
$399,900
$191/sqft

Pine River Heights 2nd Add

20907 Hardwood Loop, Finlayson, MN, 55735
3  Bedrooms3  Bathrooms2,090  Square Feet5.05  Acres
Days on market25
Year built2003
Garage spaces2
TypeResidential
Est. $8,997buyer credit when you buy with SODL
Interested?

Pick a date to request a showing

Cancel anytime, free.

About this home

Nestled on a beautiful 10-acre property, this charming 2-story home offers the perfect blend of comfort, privacy, and outdoor adventure. Featuring 2 bedrooms, an office, and 3 bathrooms, the home offers over 2,000 square feet of finished living space and is move-in ready. The spacious living room features a wet bar with built-in cabinetry and a Class A masonry chimney with a woodstove insert, creating a warm and inviting atmosphere. In-floor radiant heat adds to the comfort throughout the home. Outside, the property truly shines with a heated 2-car detached garage featuring a workshop area, a bunkhouse/mother-in-law building, and several additional outbuildings for storage. With 10 acres to explore, you’ll find hiking trails throughout the property, along with wild raspberry, blackberry, and strawberry bushes and hazelnut plants. Hunting is convenient with access directly from the property, and a treehouse/deer stand provides an excellent vantage point. Seasonal runoff even creates a charming creek through the property during the spring months. Outdoor enthusiasts will love the convenient access to nearby state parks, forests, and wildlife management areas, with destinations ranging from just 5 minutes to an hour away. ATV enthusiasts can enjoy direct access to trails including the Soo Line Trail, while biking opportunities are available along the Willard Munger State Trail. The property is also conveniently located near casinos and Mille Lacs Lake, offering even more options for recreation and entertainment. Whether you’re looking for a peaceful year-round home, weekend getaway, hunting retreat, or a place to enjoy the outdoors, this 10-acre property offers endless possibilities.

Contact us

Home facts

Property typeResidential
Property subtypeSingle Family
Year built2003
LevelsTwo
Living area2,090 sqft
Above-grade finished2,090 sqft
Below-grade finished0 sqft
Lot size5.05 acres (185x941x285x928)
Days on market25
ListedSep 5, 2026
MLS #NST7133456
CountyPine
SubdivisionPine River Heights 2nd Add
Parcel #0055107000

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 full / 1 half
Heating
Dual Fuel/Off Peak, Fireplace(s), Other, Radiant, Wood Stove
Cooling
Wall Unit(s)
Appliances
Dryer, Range, Refrigerator, Washer

Property

Levels / stories
Two
Garage
2 spaces · 23x26 · 598 sqft
Parking features
Detached Garage, Gravel, Heated Garage
Patio & porch
Deck, Patio
Exterior features
Stone, Stucco
Other structures
Garage(s), Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Other · 1,536 sqft
Roof
Asphalt
Year built
2003

Utilities

Water
Well
Sewer
Tank with Drainage Field
Fuel
Electric, Wood
Electric
100 Amp Service

Community & HOA

Subdivision
Pine River Heights 2nd Add
HOA
No HOA
School district
577 - Willow River
High school district
Willow River

Financial & listing details

Annual tax
$2,176 (2025)
Tax with assessments
2166
Listed
Sep 5, 2026
Days on market
25
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths0
Half baths1
1/4 baths0
BasementNone
HeatingDual Fuel/Off Peak, Fireplace(s), Other, Radiant, Wood Stove
CoolingWall Unit(s)
Fireplaces1
LaundryMain Level
AppliancesDryer, Range, Refrigerator, Washer
DiningEat In Kitchen, Informal Dining Room
AmenitiesDeck
AccessibilityNone

Exterior & lot

ExteriorStone, Stucco
RoofAsphalt
FoundationOther
Foundation area1,536 sqft
Patio/porchDeck, Patio
Lot featuresTree Coverage - Medium
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceWell
SewerTank with Drainage Field
FuelElectric, Wood

Parking & garage

ParkingDetached Garage, Gravel, Heated Garage
Garage spaces2
Garage size598 sqft

Financial details

Annual taxes$2,176
Tax year2025
Taxes w/ assessments2166
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District577 - Willow River
District number577
District phone2183723131
High schoolWillow River
SODL flat fee brokerage
$8,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $8,997

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,416/mo
Principal & interest$2,102
Property taxes$181
Home insurance (est.)$133
%
$79,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

20907 Hardwood Loop, Finlayson, MN, 55735

Comparable homes

Listing information

MLS #NST7133456
StatusActive
Last updatedSep 6, 2026, 12:12 PM
Originally listedSep 5, 2026, 3:43 PM
Listing officeeXp Realty

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.