Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $2,806 (2026).

What school district is this property in?

This property is in the 181 - Brainerd school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 25 days.

Listed at

$434,900

$323/sqft

10856 County Road 10

10856 County Road 10, Brainerd, MN, 56401

2 Bedrooms2 Bathrooms1,348 Square Feet1.05 Acres

Days on market25

Year built1999

Garage spaces3

TypeResidential

Est. $10,047buyer credit when you buy with SODL

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About this home

Your Borden Lake getaway is waiting! Imagine mornings by the water, afternoons spent enjoying the lake, and cozy evenings by the fireplace—this beautifully cared-for ranch makes lake living easy. Situated on over an acre on popular Borden Lake, this turnkey 2-bedroom, 2-bath home comes fully furnished and ready for you to start making memories from the moment you arrive. Inside, you’ll love the bright, open floor plan, updated luxury vinyl plank flooring, and cozy gas fireplace. The impressive finished three-car garage features tongue-and-groove walls and a Reznor overhead furnace, giving you plenty of space for vehicles, lake toys, hobbies, and more. This home has been thoughtfully maintained and updated with comfort and peace of mind in mind, including a whole-house generator, Trane furnace with humidifier, Kinetico water softener, and a freshly stained exterior. Whether you’re looking for a year-round home, weekend escape, or the perfect place to gather with family and friends, this is your chance to enjoy the lake without the work of getting a property ready. Fully furnished, beautifully maintained, and truly move-in ready—just bring your bags and start living the Borden Lake life! At over 1000 acres Borden lake offers great fishing and recreation with several quiet bays, golfing and many dinning options!!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1999

LevelsOne

Living area1,348 sqft

Above-grade finished1,348 sqft

Below-grade finished0 sqft

Lot size1.05 acres (330x281x318x240 irregular)

Days on market25

ListedSep 1, 2026

MLS #NST7137494

CountyCrow Wing

Parcel #67110571

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned, Wine Cooler

Property

Levels / stories: One
Garage: 3 spaces · 36x24 · 864 sqft
Parking features: Attached Garage, Asphalt, Finished Garage, Insulated Garage
Patio & porch: Composite Decking, Deck
Exterior features: Log Siding, Vinyl
View: Lake, Panoramic, South

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Poured Concrete, Slab, See Remarks · 1,348 sqft
Roof: Age 8 Years or Less, Architectural Shingle
Year built: 1999

Utilities

Water: Artesian, Drilled, Private, Shared System, Well
Sewer: Mound Septic, Private Sewer, Tank with Drainage Field
Fuel: Propane
Electric: 200+ Amp Service

Community & HOA

HOA: No HOA
School district: 181 - Brainerd
High school district: Brainerd

Financial & listing details

Annual tax: $2,806 (2026)
Listed: Sep 1, 2026
Days on market: 25 · 22 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementNone

HeatingForced Air, Fireplace(s)

CoolingCentral Air

Fireplaces1

LaundryIn Kitchen, Main Level

AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned, Wine Cooler

DiningBreakfast Bar, Eat In Kitchen, Living/Dining Room

AccessibilityNo Stairs Internal

Special featuresAll Living Facilities on One Level

Exterior & lot

ExteriorLog Siding, Vinyl

RoofAge 8 Years or Less, Architectural Shingle

FoundationPoured Concrete, Slab, See Remarks

Foundation area1,348 sqft

Patio/porchComposite Decking, Deck

Lot featuresIrregular Lot, Tree Coverage - Light, Underground Utilities

Road frontageCounty Road

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceArtesian, Drilled, Private, Shared System, Well

SewerMound Septic, Private Sewer, Tank with Drainage Field

FuelPropane

Parking & garage

ParkingAttached Garage, Asphalt, Finished Garage, Insulated Garage

Garage spaces3

Garage size864 sqft

Financial details

Annual taxes$2,806

Tax year2026

Taxes w/ assessments2806

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District181 - Brainerd

District number181

District phone2184546900

High schoolBrainerd

SODL flat fee brokerage

$10,047Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,047

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

Tour homes with SODL’s flexible showing network
Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,664/mo

Principal & interest$2,286

Property taxes$234

Home insurance (est.)$145

Down payment

$86,980

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.