Crow Wing County property record for 19210 Spencer Rd, Brainerd, MN 56401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 988 sqft · built 1978 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,072 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 991000010040009 |
| Primary APN | 991000010040009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 988 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,651 sqft (0.52 acres) |
| Garage Area | 576 sqft |
| Deck Area | 144 sqft |
| Account Number | 145709 |
|---|---|
| Street Address | 19210 SPENCER RD |
| City | BRAINERD |
| State | MN |
| Zip | 56401-5313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLOCK 1 |
| Legal Range | 28W |
| Legal Township | 134 |
| Legal Section | 11 |
| Legal Subdivision | ALPINE ACRES |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | CROW WING MN |
| Township / Civil Division | FIRST ASSESSMENT |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 950901 |
Source: Crow Wing County records, as of August 21, 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 | 19210 SPENCER RD, BRAINERD, MN 56401-5313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CROW WING MN |
| Property Address | 19210 SPENCER RD, BRAINERD, MN 56401-5313 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 19210 SPENCER RD, BRAINERD, MN 56401-5313 |
| Document Number | 0001020464 |
|---|---|
| Date | Feb 12, 2026 |
| Instrument | 1020464 |
| Name | MID MINNESOTA FCU |
|---|---|
| Type | Credit Union |
| Address | BRAINERD, MN 56401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.74% |
| Type Change Date | Feb 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.74% |
| Max Rate At Change | 7.74% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
Source: Crow Wing County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Crow Wing County |
| Unified School District | Brainerd Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,072.00 (+7.85%) Homeowner's exemption | $206,700 (-) Land $63,400 Building $143,300 | $206,700 (-) Land $63,400 Building $143,300 |
| 2025 | $206,700 (+7.66%) Land $54,100 Building $152,600 | $206,700 (+7.66%) Land $54,100 Building $152,600 | |
| 2023 | $994.00 Homeowner's exemption | $192,000 Land $55,300 Building $136,700 | $192,000 Land $55,300 Building $136,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 15, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 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.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CTC, Verizon.
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