10916 E Gull Lake Dr, Brainerd, MN 56401 Property Records

Cass County property record for 10916 E Gull Lake Dr, Brainerd, MN 56401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,436 sqft · built 1995
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Oct 2019)
Tax Bill	$2,400 (2026)
Deeds & Mortgages	Feb 2021 Refinance Oct 2019 Sale & Mortgage
APN	`87-020-1405`

Property Details

APN / Parcel Number

Primary APN	`87-020-1405`
Alternative APN	`45702`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,436 sqft Base Area
1st Floor Area	1,436 sqft
Basement Area	1,040 sqft
Finished Basement	1,040 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Logs
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,658 sqft (1.14 acres)
Garage Area	1,696 sqft
Driveway	Driveway
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	320 sqft
Patio Area	1 sqft
Shed	1 Shed
Shed Area	1 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	45702
Street Address	10916 E GULL LAKE DR
City	BRAINERD
State	MN
Zip	56401-3067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF SE1/4 OF NE1/4
Legal Range	29
Legal Township	134
Legal Section	20
Jurisdiction	CASS MN
Township / Civil Division	EAST GULL LAKE
Census Block Group	1
Census Block	1019
Census Tract	960801

Owner

Source: Cass County records · APN 87-020-1405

Assessment roll updated April 16, 2026 · Last verified August 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 File
Mailing Address	10916 E GULL LAKE DR, BRAINERD, MN 56401-3067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FRANDSEN BANK & TRUST
Oct 01, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 01, 2019 · Amount on Record
Deed Sale	Oct 01, 2019 · Amount on Record
Prior Sale	Jun 02, 2006 · Amount on Record
Deed Document Number	2019653885
Prior Transfer Date	Nov 25, 2015
Prior Transfer Doc	0000625922
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Property Address	10916 E GULL LAKE DR, EAST GULL LAKE, MN 56401-3067
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ELITE TITLE AGENCY, INC.

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000669186
Date	Feb 09, 2021
Instrument	A000669186

Lender

Name	FRANDSEN BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MN
Recording Date	Oct 01, 2019
Property Address	10916 E GULL LAKE DR, EAST GULL LAKE, MN 56401-3067
Document Number	A000653885
Instrument Date	Sep 26, 2019
Instrument	A000653885
Transaction Type	Transfer
Record Updated	Apr 05, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10916 E GULL LAKE DR, EAST GULL LAKE, MN 56401-3067

Mortgage

Document Number	A000653886
Date	Oct 01, 2019
Instrument	A000653886

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

Tax Assessment & Valuation

Source: Cass County records · Assessment roll updated April 16, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,400.00 (+14.29%) Homeowner's exemption
2025	$2,100.00 (+28.52%)	$386,400 (+44.56%) Land $22,100 Building $364,300	$386,400 (+44.56%) Land $22,100 Building $364,300
2023	$1,634.00
2022		$267,300 Land $19,800 Building $247,500	$267,300 Land $19,800 Building $247,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midcontinent Communications Cable	250 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 30 locations within half a mile of this property.

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