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10945 E Gull Lake Dr, Brainerd, MN 56401 Property Records

Cass County property record for 10945 E Gull Lake Dr, Brainerd, MN 56401 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,204 sqft · built 2000
Lot Size1.66 acres (72,310 sqft)
OwnerIndividual Name on File
Last Sale$435,000 (May 2018)
Tax Bill$7,332 (2026)
Deeds & MortgagesOct 2020 Refinance
May 2018 Sale & Mortgage
APN87-020-1309

Property Details

APN / Parcel Number

Primary APN87-020-1309
Alternative APN
  • 45694

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,204 sqft Base Area
1st Floor Area1,204 sqft
Basement Area720 sqft
Finished Basement720 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Architectural StyleRanch
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area72,310 sqft (1.66 acres)
Lot Dimensions300 ft deep x 90 ft wide
View / LotWaterfront / Beach
Garage Area840 sqft
DrivewayDriveway
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchPatio
Porch Area200 sqft
Deck Area204 sqft
Patio Area1 sqft
Shed1 Shed
Shed Area1 sqft
Boat House240 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerSeptic
Water SourceWell

Location & Zoning

Account Number45694
Street Address10945 E GULL LAKE DR
CityBRAINERD
StateMN
Zip56401-3067
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionREV DESCT 6 OF GOV LOT2
Legal Range29
Legal Township134
Legal Section20
Legal Lot Number2
JurisdictionCASS MN
Township / Civil DivisionEAST GULL LAKE
Census Block Group1
Census Block1017
Census Tract960801

Owner

Source: Cass County records · APN 87-020-1309

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 RecordIndividual Name on File
Mailing Address10945 E GULL LAKE DR, BRAINERD, MN 56401-3067
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 08, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
FIRST NATIONAL BANK
May 29, 2018Warranty Deed, Transfer
FIRST NATIONAL BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 29, 2018 · Amount on Record
Deed SaleMay 29, 2018 · Amount on Record
Deed Document Number2018640831
Record UpdatedSep 20, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCASS MN
Property Address10945 E GULL LAKE DR, EAST GULL LAKE, MN 56401-3067
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberA000664655
DateOct 08, 2020
InstrumentA000664655
Lender
NameFIRST NATIONAL BANK
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCASS MN
Recording DateMay 29, 2018
Property Address10945 E GULL LAKE DR, EAST GULL LAKE, MN 56401-3067
Document NumberA000640831
Instrument DateMay 24, 2018
InstrumentA000640831
Transaction TypeTransfer
Record UpdatedApr 05, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10945 E GULL LAKE DR, E GULL LAKE, MN 56401-3067

Mortgage

Document NumberA000640832
DateMay 29, 2018
InstrumentA000640832
Lender
NameFIRST NATIONAL BANK
TypeBank
Agreement
AmountAmount Recorded
Term356 Months
DueJan 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
CountyCass County
MunicipalityEast Gull Lake City
Unified School DistrictBrainerd 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.

YearTax BillAssessed ValueAssessed Market Value
2026$7,332.00 (+21.23%) Homeowner's exemption
2025$6,048.00 (-2.04%)$1,054,400 (+16.17%) Land $811,200 Building $243,200$1,054,400 (+16.17%) Land $811,200 Building $243,200
2023$6,174.00
2022$907,600 Land $689,000 Building $218,600$907,600 Land $689,000 Building $218,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270219608011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneNot on file
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
above 32% of the US · above 58% of Minnesota
Wildfire LikelihoodAbout 1 in 3,571 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 30 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Midcontinent CommunicationsCable250 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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