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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.

Highlights

  • Residential
  • Single Family Residence
  • Built in 2003
  • 5.05 Acre Lot
  • 2 Car Garage
  • 67 days on Market

  • Bedrooms
    3
  • Bathrooms
    2 full · 1 half
  • Year Built
    2003
  • Stories
    2.0
  • Construction Materials
    Stucco, Stone
  • Foundation
    Other
  • Garage Spaces
    2.0
  • Parking Features
    Gravel, Heated Garage
  • Living Area
    2090.0
  • Interior Features
    Eat-in Kitchen
  • Appliances
    Dryer, Refrigerator, Washer, Range
  • Patio And Porch
    Patio, Deck
  • Cooling
    Wall Unit(s)
  • Heating
    Fireplace(s), Electric, Radiant, Wood Stove, Wood, Other
  • Basement
    None

  • Acres
    5.05
  • Water
    Private, Well

  • County
    Pine
  • City
    Finlayson
  • Neighborhood
    Pine River Heights 2nd Add
  • Zip Code
    55735

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Frequently Asked Questions

How do I schedule a tour of 20907 Hardwood Loop?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 20907 Hardwood Loop.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 20907 Hardwood Loop?

Click Ask a Question to talk with our team. You already know it is a 3 bed, 2 bath, listed for $399,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Finlayson, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 20907 Hardwood Loop?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 20907 Hardwood Loop at around $2,457. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 20907 Hardwood Loop?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Pine County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 20907 Hardwood Loop?

In most cases, yes. Whether 20907 Hardwood Loop is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Finlayson's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 20907 Hardwood Loop?

We can handle that for you. Our preferred local agent specializes in residentials in Finlayson and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $399,900 with 2,090 sqft of space—that comes out to approximately $191 per square foot.

How long has this property been on the market?

20907 Hardwood Loop was listed on September 05, 2026, which means it's been on the market for 67 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2003, making it approximately 23 years old.

What is the lot size of this property?

20907 Hardwood Loop sits on a 5.05-acre lot, which is 219,978 square feet.

What are the property taxes for 20907 Hardwood Loop?

The most recent public record shows annual property taxes for 20907 Hardwood Loop were approximately $2,176. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is 20907 Hardwood Loop still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Based on information submitted to the MLS GRID as of November 11, 2026 at 07:35PM. 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.

Last Updated: November 11, 2026 at 07:35PM | Source: NorthstarMLS | MLS#: 7133456

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