10102 Birch Grove Rd, Brainerd, MN 56401 Property Records

Cass County property record for 10102 Birch Grove Rd, Brainerd, MN 56401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,812 sqft · built 2000
Lot Size	0.066 acres (2,882 sqft)
Owner	Individual Name on Record
Tax Bill	$10,598 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2020 Refinance + 1 more
APN	`87-337-0030`

Property Details

APN / Parcel Number

Primary APN	`87-337-0030`
Alternative APN	`45995`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,812 sqft Base Area
1st Floor Area	1,812 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	2,882 sqft (0.066 acres)
Lot Dimensions	300 ft deep x 100 ft wide
View / Lot	Waterfront / Beach
Garage Area	528 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft
Deck Area	505 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	45995
Street Address	10102 BIRCH GROVE RD
City	BRAINERD
State	MN
Zip	56401-3173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BIRCH GROVE ON GULL LAKE
Legal Range	29
Legal Township	134
Legal Section	09
Legal Subdivision	BIRCH GROVE ON GULL
Legal Lot Number	3
Jurisdiction	CASS MN
Township / Civil Division	EAST GULL LAKE
Census Block Group	1
Census Block	1021
Census Tract	960801

Owner

Source: Cass County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10102 BIRCH GROVE RD, BRAINERD, MN 56401-3173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit U S BANK N A
Sep 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIA FINANCIAL GROUP
Oct 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIA FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Recording Date	Jun 5, 2026
Property Address	10102 BIRCH GROVE RD, BRAINERD, MN 56401-3173
Document Number	0000721453
Instrument Date	May 19, 2026
Instrument	2026721453
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10102 BIRCH GROVE RD, BRAINERD, MN 56401-3173

Mortgage

Document Number	0000721453,
Date	Jun 5, 2026
Instrument	2026721453

Lender

Name	U S BANK N A

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Property Address	10102 BIRCH GROVE RD, EAST GULL LAKE, MN 56401-3173
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000664112
Date	Sep 24, 2020
Instrument	A000664112

Lender

Name	CAMBRIA FINANCIAL GROUP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Property Address	10102 BIRCH GROVE RD, EAST GULL LAKE, MN 56401-3173
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000654859
Date	Oct 31, 2019
Instrument	A000654859

Lender

Name	CAMBRIA FINANCIAL GROUP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Cass County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Cass County
Municipality	East Gull Lake City
Unified School District	Brainerd Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,598.00 (+2.32%) Homeowner's exemption
2025	$10,358.00 (+24.8%)	$1,488,600 (+24.85%) Land $972,000 Building $516,600	$1,488,600 (+24.85%) Land $972,000 Building $516,600
2023	$8,300.00
2022		$1,192,300 Land $730,000 Building $462,300	$1,192,300 Land $730,000 Building $462,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000
Midco Cable	250 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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