18040 Bernard Rd, Brainerd, MN 56401 Property Records

Crow Wing County property record for 18040 Bernard Rd, Brainerd, MN 56401 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1990
Square Footage	1,988 sqft Living Area
Lot Size	30,057 sqft (0.69 acres)
Occupancy	Owner Occupied
Last Sale	$272,000 (2021)
Tax Bill	$1,730.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`970174302F00009`
Alternative APNs	`99170519` `171712`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,988 sqft Living Area
1st Floor	1,372 sqft 1st Floor
Stories	2 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Exterior Material	Metal Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	30,057 sqft (0.69 acres)
Driveway	Driveway
Garage Area	576 sqft Garage
Deck Area	180 sqft Deck
Storage Building	Storage Building

Utilities and HVAC

Heating System	Central Heating

Location & Zoning

Account Number	171712
Street Address	18040 BERNARD RD
City	BRAINERD
State	MN
Zip	56401-6247
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PART OF GOV. LOT 2 SEC 17 DESC. AS FOL; COMM. AT THE S1/4 CORNER OF SAID SEC. 17 THEN N 89 DEG 44 MIN E FOR A DIST. OF 367.30
Legal Range	28W
Legal Township	134
Legal Section	17
Legal Lot Number	2
Jurisdiction	CROW WING MN
Minor Civil Division	FIRST ASSESSMENT
Census Blockgroup	1
Census Block	1006
Census Tract	950901

Owner

Source: Crow Wing County records · APN 970174302F00009

Assessment roll updated August 28, 2025 · 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	18040 BERNARD RD, BRAINERD, MN 56401-6247
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	Aug 14, 2019 · Amount on Record
Record Refreshed	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	18040 BERNARD RD, BRAINERD, MN 56401-6247
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001016597
Date	Nov 04, 2025
Instrument	1016597

Lender

Name	BLAZE CREDIT UNION
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Stand Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 01, 2035

Tax Assessment & Valuation

Source: Crow Wing County records · Assessment roll updated August 28, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Crow Wing County
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	$1,730.00 (+3.59%)	$276,526 (-11.57%)	$296,400 (-5.21%) Land $62,900 Building $233,500
2025		$312,700 (+4.27%) Land $56,600 Building $256,100	$312,700 (+4.27%) Land $56,600 Building $256,100
2023	$1,670.00 Homeowner's exemption	$299,900 Land $46,500 Building $253,400	$299,900 Land $46,500 Building $253,400

Flood & Wildfire

18040 Bernard Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Crow Wing County (27035C), updated August 15, 2017

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 44th percentile of exposed land nationally · 73rd in Minnesota
Wildfire Likelihood	Moderate — about 1 in 1,923 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.