402 M St NE, Brainerd, MN 56401 Property Records

Crow Wing County property record for 402 M St NE, Brainerd, MN 56401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,555 sqft
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$94,000 (Jan 2003)
Tax Bill	$2,142 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09172004007X009`

Property Details

APN / Parcel Number

Primary APN	`09172004007X009`
Alternative APNs	`41191050` `106975`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,555 sqft Living Area
1st Floor Area	1,555 sqft
Interior Walls	Wallboard/Drywall

Exterior

Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	160 sqft
Storage Building	Storage Building

Location & Zoning

Account Number	106975
Street Address	402 M ST NE
City	BRAINERD
State	MN
Zip	56401-2251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 & 8 BLOCK 4, EXCEPT THAT PT DESC AS FOLLOWS; COMM AT THE NW CORNER OF LOT 7 BLOCK 4, THEN S'LY ALG THE W LINE OF LOTS
Legal Range	30W
Legal Township	45N
Legal Section	19
Legal Subdivision	SCHWARTZS ADDN TO THE CITY OF BRAINERD
Legal Block	4
Legal Lot Number	7,8
Jurisdiction	CROW WING MN
Township / Civil Division	BRAINERD
Census Block Group	3
Census Block	3005
Census Tract	951000

Owner

402 M St NE is owned by an individual who bought it in January 2003.

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

Owner of Record	Individual Name on File
Mailing Address	1832 HIGHWAY 1, ELY, MN 55731-8213
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage NORTHEAST ENTREPRENEUR FUND INC
Dec 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage NORTHEAST ENTREPRENEUR FUND INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 1, 2003 · Amount on File
Deed Sale	Jan 1, 2003 · Amount on File
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	402 M ST NE, BRAINERD, MN 56401-2251
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1832 HIGHWAY 1, ELY, MN 55731-8213

Mortgage

Document Number	0001018083
Date	Dec 10, 2025
Instrument	1018083

Lender

Name	NORTHEAST ENTREPRENEUR FUND INC
Address	DULUTH, MN 55802

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	11 Months
Due	Nov 26, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Property Address	402 M ST NE, BRAINERD, MN 56401-2251
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1832 HIGHWAY 1, ELY, MN 55731-8213

Mortgage

Document Number	0001018082
Date	Dec 10, 2025
Instrument	1018082

Lender

Name	NORTHEAST ENTREPRENEUR FUND INC
Address	DULUTH, MN 55802

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 402 M St NE was $2,142.

Source: Crow Wing County assessment roll, as of August 28, 2025

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	$2,142.00	$216,900 (+8.67%) Land $51,600 Building $165,300	$216,900 (+8.67%) Land $51,600 Building $165,300
2025		$199,600 Land $52,400 Building $147,200	$199,600 Land $52,400 Building $147,200
2023	$1,946.00	$197,400 Land $44,200 Building $153,200	$197,400 Land $44,200 Building $153,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 402 M St NE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 15, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 402 M St NE is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 348 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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