2234 Spruce Dr, Brainerd, MN 56401 Property Records

Crow Wing County property record for 2234 Spruce Dr, Brainerd, MN 56401

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,231 sqft · built 1990
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Dec 2024)
Tax Bill	$2,284 (2026)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09602001009Y009`

Property Details

APN / Parcel Number

Primary APN	`09602001009Y009`
Alternative APNs	`41360533` `112711` `184040`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,231 sqft Living Area
Gross Area	1,346 sqft
1st Floor Area	1,231 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Basement
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	184040
Street Address	2234 SPRUCE DR
City	BRAINERD
State	MN
Zip	56401-4538
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	THE W 55 FT OF LOT 9 BLK 1 & LOT 11 BLK 1 EXC THE N 14 FT THEREOF.
Legal Range	31W
Legal Township	45N
Legal Section	36
Legal Subdivision	REARRANGEMENT OF EDGEWOOD TOWNHOUSES
Legal Block	1
Legal Lot Number	9,11
Jurisdiction	CROW WING MN
Township / Civil Division	BRAINERD
Census Block Group	1
Census Block	1010
Census Tract	951303

Owner

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	Individual Name on Record
Mailing Address	2234 SPRUCE DR, BRAINERD, MN 56401-4538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2024 · Amount on Record
Deed Sale	Dec 4, 2024 · Amount on Record
Prior Sale	Jun 28, 2023 · Amount on Record
Deed Document Number	2024279396
Prior Transfer Date	Nov 2, 2024
Prior Transfer Doc	0000279395
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Recording Date	May 14, 2026
Property Address	2234 SPRUCE DR, BRAINERD, MN 56401-4538
Document Number	0000285892
Instrument Date	Apr 29, 2026
Instrument	2026285892
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2234 SPRUCE DR, BRAINERD, MN 56401-4538

Mortgage

Document Number	0000285892,
Date	May 14, 2026
Instrument	2026285892

Lender

Name	AMERICAN NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 15, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Crow Wing County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Crow Wing County
Municipality	Brainerd City
Unified School District	Brainerd Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,284.00 (+6.63%) Homeowner's exemption	$237,100 (+5.28%) Land $44,400 Building $192,700	$237,100 (+5.28%) Land $44,400 Building $192,700
2025		$225,200 (-4.13%) Land $44,100 Building $181,100	$225,200 (-4.13%) Land $44,100 Building $181,100
2023	$2,142.00 Homeowner's exemption	$234,900 Land $42,800 Building $192,100	$234,900 Land $42,800 Building $192,100

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	1 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Brainerd serves 14,670 people · EPA ID MN1180002
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 ppb (2025) action level 15 ppb
Copper	1.63 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CTC.

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