20535 Ward Ave, Brainerd, MN, 56401
About This Home
Meticulously maintained and spacious 2-bedroom, 2-bath home with access to Gull and Round Lakes is move-in ready! Double lot with level grounds rimmed with mature pines and oaks. Kitchen features oak cabinetry, hard-surface countertops plus pantry, 2 closets, newer appliances and informal dining with front-yard views. Bathrooms have been recently updated. Dining and living room combination easily accommodates larger gatherings. The lower level features the family room with new natural gas free-standing fireplace, plus a spacious 16x13 bedroom with adjoining full bath. For those that love the outdoors, you’ll enjoy the screened porch for relaxing and listening to the sounds of nature. Porch leads to the grill deck. Large utility and laundry room with newer washer and dryer, utility sink, lots of additional storage space, and the convenience of direct access to the garage. Attached insulated double garage with natural gas heater, window A/C, and LED lighting. Asphalt driveway plus a second driveway that will accommodate parking for recreational vehicles, travel trailers, guest parking, or add your own storage building. Recently installed gutters with leaf guards. Septic is compliant. Exclusive Club access offers use of the main beach area on Gull Lake, access on Round Lake, the lakeside park along with the use of several Outlots. Whether you enjoy walking, riding your bike, snowmobiling, kayaking, cruising with your golf cart, spending a day at the beach or watching the amazing sunsets across Gull Lake, it’s all here in Cinosam!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1984
Materials
- Roof: Age Over 8 Years,Asphalt
- Construction materials: Block,Concrete,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
- Laundry features: Electric Dryer Hookup,Lower Level,Sink,Washer Hookup
Basement
- Has basement: Yes
- Basement: Finished
Bedroom
- Level: Upper
- Area: 150.8
- Dimensions: 11.6x13
Bedroom2
- Level: Lower
- Area: 209.3
- Dimensions: 16.10x13
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Upper
- Area: 221.2
- Dimensions: 14x15.8
Family Room
- Level: Lower
- Area: 275.37
- Dimensions: 20.10x13.7
Features
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 960
- Finished area above ground: 992
Heating & Cooling
- Heating features: Baseboard,Fireplace(s)
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 1,952
- Total interior livable area: 1,952 sqft
Kitchen
- Level: Upper
- Area: 145.6
- Dimensions: 11.2x13
Living Room
- Level: Upper
- Area: 251.22
- Dimensions: 15.9x15.8
Screened Porch
- Level: Upper
- Area: 104
- Dimensions: 13x8
Utility Room
- Level: Lower
- Area: 211.2
- Dimensions: 22x9.6
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 99030739
- Zoning description: Residential-Single Family
- Foundation area: 960
Features
- Levels: Multi/Split
- Patio & porch: Deck,Porch,Screened
- Fencing: None
- Has view: Yes
- View description: West
- Waterfront features: Association Access,Shared,Waterfront Elevation(4-10),Lake Bottom(Rocky,Sand,Excellent Sand)
Lot
- Lot size: 0.54 Acres
- Features: Corner Lot,Tree Coverage - Medium
- Lot size dimensions: 175 x 134
Parking
- Total spaces: 2
- Parking features: Attached,Asphalt,Garage,Garage Door Opener,Insulated Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: 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
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Crow Wing County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,617 | $19,404 |
| Home Insurance * | $243 | $2,916 |
| Property Taxes | $165 | $1,980 |
| Electricity | $170 | $2,050 |
| Total | $2,195 | $26,340 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Listed for sale | $319,900 |
| 2026-08-11 | Listing removed | $319,900 |
| 2026-07-10 | Price change | $319,900 |
| 2026-06-10 | Price change | $329,900 |
| 2026-05-23 | Listed for sale | $334,900 |
| 2025-12-02 | Listing removed | $329,000 |
| 2025-11-24 | Price change | $329,000 |
| 2025-10-08 | Price change | $334,000 |
| 2025-10-02 | Price change | $334,900 |
| 2025-08-29 | Listed for sale | $339,000 |
| 2018-11-21 | Sold | $162,500 |
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