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20174 Rudbeck Rd Unit 16, Brainerd, MN, 56401

1beds
1baths
432sqft
$109,900
$254price/sqft
$873/moest. monthly cost
$34,920/yrincome needed

About This Home

Located on the north side of the 371 Bay of North Long Lake, this well-maintained seasonal property offers an easy way to enjoy lake life in the Brainerd Lakes Area. Just 12 minutes north of Baxter and 10 minutes south of Nisswa, the location provides convenient access to dining, shopping, golf, trails, and year-round area recreation. The 2014 park model has had one owner and has been carefully maintained. It comfortably sleeps four with a queen bed and pull-out couch, and some furnishings are included for a simple transition into ownership. Interior features include a full bathroom, central air and heat, and a gas range. Outside, the 24x8 composite front deck provides a comfortable space to relax, grill, and gather, while the 6x8 storage shed adds room for lake gear and seasonal items. The association offers shared access to North Long Lake with a beach, dock, common grounds, clubhouse with rec/game room, bathrooms, showers, and fish-cleaning area. Annual dues of $1,200 include dock and lift in/out, shared well and septic, trash, Wi-Fi, lawn care, and maintenance of common amenities. A practical, low-maintenance option for enjoying one of the area’s premier lakes without the work of traditional cabin ownership.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
Nisswa Elementary SchoolGrades PK-45.3 mi
7/10
Forestview Middle SchoolGrades 5-88.0 mi
9/10

Construction

Condition

  • Year built: 2014

Materials

  • Roof: Age Over 8 Years,Asphalt
  • Construction materials: Other

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: None

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric Log,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 432

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 432
  • Total interior livable area: 432 sqft

Property

Accessibility

  • Accessibility features: No Stairs Internal

Details

  • Parcel number: 99020645
  • Zoning description: Residential-Single Family
  • Foundation area: 432

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Awning(s),Composite Decking,Deck
  • Fencing: None
  • Has view: Yes
  • View description: Lake,Panoramic,South
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Association Access,Dock,Lake Front,Shared,Waterfront Elevation(4-10),Lake Bottom(Hard,Excellent Sand)
  • Frontage length: Water Frontage: 273

Lot

  • Lot size: 1,742 sqft
  • Features: Accessible Shoreline,Cleared,Irregular Lot
  • Lot size dimensions: 24 x 52 x 31 x 52

Parking

  • Parking features: Gravel,Parking Lot
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Crow Wing County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $555$6,660
Home Insurance *$83$996
Property Taxes $65$780
Electricity $170$2,050
Total$873$10,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,931/yr
40% on housing$26,190/yr
45% on housing$23,280/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.4%
9.4%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 56401$213
Crow Wing County$209

vs Homes Sold Last Month

Median $/sqft

ZIP 56401$192
Crow Wing County$204

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-16Price change$109,900
2026-05-22Listed for sale$119,900

For Sale by Agent

AgentRanda Haug
BrokeragePemberton RE

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