Listed at
$319,900
$164/sqft

Cinosam Club

20535 Ward Avenue, Brainerd, MN, 56401
2  Bedrooms2  Bathrooms1,952  Square Feet0.54  Acres
Days on market49
Year built1984
Garage spaces2
HOA / month$150
TypeResidential
Est. $6,597buyer credit when you buy with SODL
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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!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1984
LevelsSplit Entry (Bi-Level)
Living area1,952 sqft
Above-grade finished992 sqft
Below-grade finished960 sqft
Lot size0.54 acres (175x134)
Days on market49
ListedAug 11, 2026
MLS #NST7124257
CountyCrow Wing
SubdivisionCinosam Club
Parcel #99030739

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Baseboard, Fireplace(s)
Cooling
Window Unit(s)
Appliances
Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories
Split Entry (Bi-Level)
Garage
2 spaces · 24X24 · 576 sqft
Parking features
Attached Garage, Asphalt, Finished Garage, Garage Door Opener, Insulated Garage
Patio & porch
Deck, Porch, Screened
Exterior features
Engineered Wood
Fencing
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Concrete, Frame
Foundation
Block · 960 sqft
Roof
Age Over 8 Years, Asphalt
Year built
1984

Utilities

Water
Drilled
Sewer
Private Sewer, Septic System Compliant - Yes
Fuel
Electric, Natural Gas
Electric
200+ Amp Service

Community & HOA

Subdivision
Cinosam Club
HOA
$150/annual
HOA name
Cinosam Club
HOA phone
2182328307
HOA includes
Beach Access, Other, Shared Amenities
School district
181 - Brainerd

Financial & listing details

Annual tax
$1,244 (2026)
Listed
Aug 11, 2026
Days on market
49 · 196 cumulative
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementFinished
HeatingBaseboard, Fireplace(s)
CoolingWindow Unit(s)
Fireplaces1
LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
DiningLiving/Dining Room
AccessibilityNone
Special featuresMain Floor Bedroom

Exterior & lot

ExteriorEngineered Wood
RoofAge Over 8 Years, Asphalt
FoundationBlock
Foundation area960 sqft
Patio/porchDeck, Porch, Screened
Lot featuresCorner Lot, Tree Coverage - Medium
ZoningResidential-Single Family

Utilities

Water sourceDrilled
SewerPrivate Sewer, Septic System Compliant - Yes
FuelElectric, Natural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Finished Garage, Garage Door Opener, Insulated Garage
Garage spaces2
Garage size576 sqft

Financial details

Annual taxes$1,244
Tax year2026
Taxes w/ assessments1244
Assessment pendingNo
HOA fee$150
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District181 - Brainerd
District number181
District phone2184546900
High schoolBrainerd
SODL flat fee brokerage
$6,597Estimated buyer credit
SODL platform fee $3,000Your buyer credit $6,597

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

$2,042/mo
Principal & interest$1,681
Property taxes$104
Home insurance (est.)$107
HOA fees$150
%
$63,980
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.

Location

20535 Ward Avenue, Brainerd, MN, 56401

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Listing information

MLS #NST7124257
StatusPending
Last updatedSep 1, 2026, 3:12 PM
Originally listedAug 11, 2026, 12:08 AM
Listing officeEdina Realty, Inc.

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.