15789 McKay Rd, Brainerd, MN 56401 Property Records

Crow Wing County property record for 15789 McKay Rd, Brainerd, MN 56401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft
Lot Size	2.14 acres (93,219 sqft)
Owner	2 Individual Names on Record
Last Sale	$308,000 (May 2026)
Tax Bill	$1,368 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`970331100C00009`

Property Details

APN / Parcel Number

Primary APN	`970331100C00009`
Alternative APNs	`99330519` `165355`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	448 sqft
Interior Walls	Wallboard/Drywall

Exterior

Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	93,219 sqft (2.14 acres)
Garage Area	1,500 sqft
Deck Area	24 sqft
Lean-To	420 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	165355
Street Address	15789 MCKAY RD
City	BRAINERD
State	MN
Zip	56401-6191
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 666.6 FT OF E 466.6 FT OF NE1/4 OF NE1/4 EXCEPT THE S 466.6 FT THEREOF.
Legal Range	28W
Legal Township	134
Legal Section	33
Jurisdiction	CROW WING MN
Township / Civil Division	FIRST ASSESSMENT
Census Block Group	2
Census Block	2022
Census Tract	950901

Owner

Source: Crow Wing 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	2 Individual Names on Record
Mailing Address	15789 MCKAY RD, BRAINERD, MN 56401-6191
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	May 12, 2020 · Amount on Record
Deed Document Number	20261023785
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CROW WING MN
Recording Date	May 15, 2026
Property Address	15789 MCKAY RD, BRAINERD, MN 56401-6191
Document Number	0001023785
Instrument Date	May 8, 2026
Instrument	20261023785
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	THE TITLE TEAM-NOBLE ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102,656.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15789 MCKAY RD, BRAINERD, MN 56401-6191

Mortgage

Document Number	0001023786,
Date	May 15, 2026
Instrument	20261023786

Lender

Name	BAE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Crow Wing County assessment roll, as of August 28, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Crow Wing County
Unified School District	Brainerd Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,368.00 (+11.04%)	$244,916 (-3.69%)	$267,400 (+5.15%) Land $84,900 Building $182,500
2025		$254,300 (+1.44%) Land $78,200 Building $176,100	$254,300 (+1.44%) Land $78,200 Building $176,100
2023	$1,232.00 Homeowner's exemption	$250,700 Land $67,600 Building $183,100	$250,700 Land $67,600 Building $183,100

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, effective August 15, 2017

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 60% 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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