20464 Sandy Shore Dr, Brainerd, MN 56401 Property Records

Crow Wing County property record for 20464 Sandy Shore Dr, Brainerd, MN 56401

Property Summary

Property Type	Recreational Vacant Land
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Individual Names on Record
Tax Bill	$156 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9912600H000Z009`

Property Details

APN / Parcel Number

Primary APN	`9912600H000Z009`
Alternative APNs	`99060604` `173315`

Exterior

Lot Area	74,923 sqft (1.72 acres)

Location & Zoning

Account Number	173315
Street Address	20464 SANDY SHORE DR
City	BRAINERD
State	MN
Zip	56401
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Legal Description	THAT PT OF BLK H, HOLE-IN-THE-DAY-WOODS, ACC TOTHE PAT THEREOF, DESC AS FOLL: COMM AT THE PT WHERE THE W'LY LINE OF SD BLK H
Legal Range	28W
Legal Township	134
Legal Section	06
Legal Subdivision	HOLE-IN-THE-DAY-WOODS
Legal Block	H
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
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
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	20464 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 Recorded
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%

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	20464 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 Recorded
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	$156.00 (+85.71%)	$36,700 (+27.87%) Land $36,700	$36,700 (+27.87%) Land $36,700
2025		$28,700 (+54.3%) Land $28,700	$28,700 (+54.3%) Land $28,700
2023	$84.00	$18,600 Land $18,600	$18,600 Land $18,600

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
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

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