5499 Forest Ridge Rd, Garrison, MN 56450 Property Records

Crow Wing County property record for 5499 Forest Ridge Rd, Garrison, MN 56450

Property Summary

Property Type	Seasonal / Vacation Home
Details	626 sqft
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Sep 2025)
Tax Bill	$1,416 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`881020000070009`

Property Details

APN / Parcel Number

Primary APN	`881020000070009`
Alternative APNs	`88040605` `140244` `186935`

Interior

Stories	1 Story
Building Area	626 sqft Living Area
Gross Area	386 sqft
1st Floor Area	626 sqft
Basement Area	240 sqft
Finished Basement	240 sqft
Unfinished Basement	428 sqft
Interior Walls	Paneling

Exterior

Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Logs
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
View / Lot	Waterfront / Beach
Garage Area	168 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Heating System	Wood Furnace

Location & Zoning

Account Number	186935
Street Address	5499 FOREST RIDGE RD
City	GARRISON
State	MN
Zip	56450-2106
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 7
Legal Range	28W
Legal Township	43N
Legal Section	04
Legal Subdivision	CAMP LAKE SHORES
Legal Lot Number	7
Jurisdiction	CROW WING MN
Township / Civil Division	ROOSEVELT
Census Block Group	3
Census Block	3019
Census Tract	951600

Owner

5499 Forest Ridge Rd, a residential property, is owned by two individuals who bought it in September 2025.

Source: Crow Wing County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4685 FORESTVIEW LN N, MINNEAPOLIS, MN 55442-2466
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ASIA BANK NATIONAL ASSOCIATION
Sep 16, 2025	Warranty Deed, Transfer · Conventional Mortgage GRANITE COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Prior Sale	Nov 1, 2012 · Amount on File
Deed Document Number	20251014596
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Recording Date	Apr 3, 2026
Property Address	5499 FOREST RIDGE RD, GARRISON, MN 56450-2106
Document Number	0001022096
Instrument Date	Mar 27, 2026
Instrument	20261022096
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	4685 FORESTVIEW LN N, MINNEAPOLIS, MN 55442-2466

Mortgage

Document Number	0001022096,
Date	Apr 3, 2026
Instrument	20261022096

Lender

Name	ASIA BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CROW WING MN
Recording Date	Sep 16, 2025
Property Address	5499 FOREST RIDGE RD, GARRISON, MN 56450-2106
Document Number	0001014596
Instrument Date	Sep 12, 2025
Instrument	1014596
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	ATLAS ABSTRACT AND TITLE INC, ATLAS ABSTRACT & TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$884.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4685 FORESTVIEW LN N, PLYMOUTH, MN 55442-2466

Mortgage

Document Number	0001014597
Date	Sep 16, 2025
Instrument	1014597

Lender

Name	GRANITE COMMUNITY BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	12.6%
Index	SOFR Average 30-Day
Max Rate	12.6%

Tax Assessment & Valuation

The 2026 property tax bill for 5499 Forest Ridge Rd was $1,416, up 26.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Crow Wing County
County Subdivision	Roosevelt Township
Unified School District	Brainerd Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,416.00 (+26.32%)	$227,500 (-6.34%) Land $137,100 Building $90,400	$227,500 (-6.34%) Land $137,100 Building $90,400
2025	$1,121.00	$242,900 Land $138,900 Building $104,000	$242,900 Land $138,900 Building $104,000
2023	$988.00	$151,400 Land $82,400 Building $69,000	$151,400 Land $82,400 Building $69,000

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

Flood

FEMA maps place 5499 Forest Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 5499 Forest Ridge Rd is low, with a 0.03% 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	0.03% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000

May also be available: Midco.

Cell Coverage

5G and 4G LTE (outdoors only)

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