Crow Wing County property record for 19416 Spencer Rd, Brainerd, MN 56401
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,040 sqft · built 1977 |
| Lot Size | 1.21 acres (52,707 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $110,900 (Oct 2014) |
| Tax Bill | $1,260 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 970113100E00009 |
| Primary APN | 970113100E00009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,707 sqft (1.21 acres) |
| Garage Area | 624 sqft |
| Driveway | Driveway |
| Shed | 1 Shed |
| Shed Area | 91 sqft |
| Storage Building | 240 sqft |
| Heating System | Oil |
|---|
| Account Number | 146930 |
|---|---|
| Street Address | 19416 SPENCER RD |
| City | BRAINERD |
| State | MN |
| Zip | 56401-5311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W'LY 160 FT OF E'LY 980 FT OF N'LY 330 FT OF NE1/4 OF SW1/4. |
| Legal Range | 28W |
| Legal Township | 134 |
| Legal Section | 11 |
| 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 October 7, 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 | 19416 SPENCER RD, BRAINERD, MN 56401-5311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2014 · Amount on Record |
| Deed Sale | Oct 2, 2014 · Amount on Record |
| Deed Document Number | 2014269708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CROW WING MN |
| Recording Date | Sep 8, 2026 |
| Property Address | 19416 SPENCER RD, BRAINERD, MN 56401-5311 |
| Document Number | 0001029149 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 20261029149 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 19416 SPENCER RD, BRAINERD, MN 56401-5311 |
| Document Number | 0001029149, |
|---|---|
| Date | Sep 8, 2026 |
| Instrument | 20261029149 |
| Name | POINT DIGITAL FINANCIAL INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 25, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $1,260.00 (+17.32%) Homeowner's exemption | $231,000 (-2.41%) Land $70,000 Building $161,000 | $231,000 (-2.41%) Land $70,000 Building $161,000 |
| 2025 | $236,700 (+17.41%) Land $65,700 Building $171,000 | $236,700 (+17.41%) Land $65,700 Building $171,000 | |
| 2023 | $1,074.00 Homeowner's exemption | $201,600 Land $54,300 Building $147,300 | $201,600 Land $54,300 Building $147,300 |
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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CTC.
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