20462 Sandy Shore Dr, Brainerd, MN 56401 Property Records

Crow Wing County property record for 20462 Sandy Shore Dr, Brainerd, MN 56401

Property Summary

Property Type	Seasonal / Vacation Home
Details	4 bd · 4 ba · 4,787 sqft · built 2023
Lot Size	1.71 acres (74,886 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,030 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9912600H000Z009`

Property Details

APN / Parcel Number

Primary APN	`9912600H000Z009`
Alternative APNs	`99060606` `173315`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	4,787 sqft Living Area
1st Floor Area	2,612 sqft
Basement Area	1,631 sqft
Finished Basement	1,631 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,886 sqft (1.71 acres)
View / Lot	Waterfront / Beach
Garage Area	873 sqft
Driveway	Driveway
Porch	Patio
Porch Area	176 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	173315
Street Address	20462 SANDY SHORE DR
City	BRAINERD
State	MN
Zip	56401
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PT OF BLK I, OLE-IN-THE-DAY-WOODS, ACCORD TO THE PLAT DESC AS FOLL: COMM AT THE PT WHERE THE W'LY LINE OF SD BLK I INTER
Legal Range	28W
Legal Township	134
Legal Section	06
Legal Subdivision	HOLE-IN-THE-DAY-WOODS
Legal Block	I
Jurisdiction	CROW WING MN
Township / Civil Division	FIRST ASSESSMENT
Census Block Group	3
Census Block	3023
Census Tract	950902

Owner

Source: Crow Wing County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	16530 58TH AVE N, MINNEAPOLIS, MN 55446-4589
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	20462 SANDY SHORE DR, BRAINERD, MN 56401
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16530 58TH AVE N, PLYMOUTH, MN 55446-4589

Mortgage

Document Number	0000283467
Date	Oct 28, 2025
Instrument	283467

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	20462 SANDY SHORE DR, BRAINERD, MN 56401
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16530 58TH AVE N, PLYMOUTH, MN 55446-4589

Mortgage

Document Number	0000280896
Date	Apr 14, 2025
Instrument	280896

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2035
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	20462 SANDY SHORE DR, BRAINERD, MN 56401
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16530 58TH AVE N, PLYMOUTH, MN 55446-4589

Mortgage

Document Number	0000280169
Date	Feb 6, 2025
Instrument	280169

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2055

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	$9,030.00 (+410.75%)	$1,292,300 (-1.34%) Land $413,300 Building $879,000	$1,292,300 (-1.34%) Land $413,300 Building $879,000
2025		$1,309,900 (+347.98%) Land $426,200 Building $883,700	$1,309,900 (+347.98%) Land $426,200 Building $883,700
2023	$1,768.00	$292,400 Land $292,400	$292,400 Land $292,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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.

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 15 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 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sandy Shore Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures