63690 Hannu Ln, Finlayson, MN, 55735
About This Home
Escape to 103 feet of prime, level shoreline on Upper Pine Lake in Finlayson, MN. This inviting year-round home offers the perfect blend of Northwoods charm and modern comfort, just ~100 miles north of the Twin Cities. Open-concept living with panoramic lake views. Step into a welcoming foyer with space for gear and boots, then discover an open-concept living area with walkout deck access. You'll notice stunning lake views from nearly every room on both the first and second floors- the foyer, living room, eat-in kitchen, studio, and all bedrooms all frame the water. The kitchen features rich hickory cabinets, stainless steel appliances, and an eat-in dining space, all with uninterrupted sightlines to the lake. A flexible studio space (ideal for a home office, creative workspace, or guest area) and a convenient 3/4 bath. Upstairs, three comfortable bedrooms, a full bath, and lots of storage space. The home has a new septic system and updated gravel driveway and extra parking area. Waterfront outdoor living, enjoy direct lake access with the included dock, large yard, plus an oversized detached garage with room for vehicles, boats, and all your outdoor toys. The level shoreline invites summer fun like swimming, fishing, kayaking, and boating right from your backyard. Upper Pine Lake spans approximately 200 acres which is big enough for boats, quiet enough for relaxation. Whether you're seeking a full-time residence, weekend retreat, or rental investment, this property delivers authentic Minnesota lake living with metro-area convenience. Easy to show.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2007
Materials
- Roof: Age Over 8 Years,Asphalt
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Water Softener Owned
- Laundry features: Main Level
Basement
- Basement: Crawl Space,Sump Pump
Bedroom
- Level: Upper
- Area: 223.2
- Dimensions: 12x18.6
Bedroom2
- Level: Upper
- Area: 110
- Dimensions: 10x11
Bedroom3
- Level: Upper
- Area: 130
- Dimensions: 10x13
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Features
- Finished area below ground: 0
- Finished area above ground: 1,512
Foyer
- Level: Main
- Area: 96
- Dimensions: 8x12
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,512
- Total interior livable area: 1,512 sqft
Kitchen
- Level: Main
- Area: 178.5
- Dimensions: 10.5x17
Living Room
- Level: Main
- Area: 221
- Dimensions: 13x17
Other
- Level: Main
- Area: 96
- Dimensions: 9.6x10
Porch
- Level: Main
- Area: 144
- Dimensions: 8x18
Property
Accessibility
- Accessibility features: Accessible Approach with Ramp
Details
- Parcel number: 0270315000
- Zoning description: Residential-Single Family
- Foundation area: 756
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Porch
- Fencing: None
- Has view: Yes
- View description: Lake,Panoramic
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Elevation(0-4)
- Frontage length: Water Frontage: 103
Lot
- Lot size: 0.50 Acres
- Features: Accessible Shoreline
- Lot size dimensions: irregular
Parking
- Total spaces: 4
- Parking features: Detached Garage,Tandem Garage
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Inland Flooding
- Lightning
- Hail
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Pine County and Minnesota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,523 | $30,276 |
| Home Insurance * | $423 | $5,076 |
| Property Taxes | $356 | $4,272 |
| Electricity | $170 | $2,050 |
| Total | $3,472 | $41,664 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-07 | Listed for sale | $519,900 |
| 2023-07-28 | Sold | $389,900 |
| 2023-06-15 | Pending sale | $389,900 |
| 2023-05-27 | Listed for sale | $389,900 |
| 2018-12-17 | Sold | $289,900 |
| 2018-11-01 | Pending sale | $289,900 |
| 2018-05-08 | Listed for sale | $289,900 |
| 2014-07-15 | Listing removed | $224,900 |
| 2014-04-18 | Listed for sale | $224,900 |
| 2010-05-21 | Sold | $245,000 |
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