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3912 4th St NW, Backus, MN, 56435

4beds
2baths
2,464sqft
$489,900
$199price/sqft
$3,109/moest. monthly cost
$124,360/yrincome needed

About This Home

Watch the Pine River in perfect harmony with Lind Lake as the sun rises over Backus every morning. This is the spot. Explore the lake and river from a home that's free of heavy shoreline pressure and activity like many other lakes. The home has been extensively updated to reflect a clean, modern interior while preserving the character expected in a true lake retreat. New flooring runs through the main living areas, complemented by updated windows that draw in natural light and frame the surrounding woods and water. The kitchen features new cabinetry, granite countertops, new appliances, while fresh paint and updated lighting carry throughout the home. A walkout lower level adds flexible living space, and the primary suite connects directly to the deck, creating a seamless transition to the outdoors and elevated lake views. The exterior continues to perform with a fenced yard, separate 3-stall and single-stall garages, and a series of recent improvements across all structures. A wooded roadway extends from the home down to the shoreline, where a new dock and boardwalk provide easy access to Lind Lake, which is well known for its fishing and fed directly by the Pine River. With a balance of privacy, usability, and updated features, this property presents a compelling opportunity for lakefront ownership in the Backus area.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: In Hall,Main Level

Basement

  • Has basement: Yes
  • Basement: Block,Egress Window(s),Finished,Full,Sump Pump,Walk-Out Access

Bathroom

  • Level: Main
  • Area: 65
  • Dimensions: 5x13

Bedroom

  • Level: Main
  • Area: 152.1667
  • Dimensions: 11x13'10"

Bedroom2

  • Level: Main
  • Area: 134.5486
  • Dimensions: 10'5"x12'11"

Bedroom3

  • Level: Lower
  • Area: 144.2292
  • Dimensions: 10'9"x13'5"

Bedroom4

  • Level: Lower
  • Area: 124.1667
  • Dimensions: 10x12'5"

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Fireplace features: Electric
  • Finished area below ground: 1,232
  • Finished area above ground: 1,232

Great Room

  • Level: Lower
  • Area: 494
  • Dimensions: 19x26

Heating & Cooling

  • Heating features: Boiler,Forced Air,Fireplace(s),In-Floor Heating
  • Cooling features: None

Interior Area

  • Total structure area: 2,464
  • Total interior livable area: 2,464 sqft

Kitchen

  • Level: Main
  • Area: 144
  • Dimensions: 10x14.4

Laundry

  • Level: Main
  • Area: 57
  • Dimensions: 6x9'6"

Living Room

  • Level: Main
  • Area: 144
  • Dimensions: 10x14.4

Utility Room

  • Level: Lower
  • Area: 63
  • Dimensions: 7x9

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 340283400
  • Zoning description: Residential-Single Family
  • Foundation area: 1232

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Elevation(26-40),Lake Bottom(Soft,Weeds)
  • Frontage length: Water Frontage: 287

Lot

  • Lot size: 3.40 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 287 x 465 x 230 x 670

Parking

  • Total spaces: 4
  • Parking features: Detached Garage,Gravel,Multiple Garages
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Winter Weather
Inland Flooding
Lightning
Tornado

FEMA Declared Disasters in Cass 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 $2,477$29,724
Home Insurance *$243$2,916
Property Taxes $182$2,184
Electricity $207$2,493
Total$3,109$37,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,594/yr
40% on housing$93,270/yr
45% on housing$82,906/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 56435$180
Cass County$206

vs Homes Sold Last Month

Median $/sqft

ZIP 56435$197
Cass County$210

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)

No zestimate history available

Price History

DateEventPrice
2026-05-12Price change$519,000
2026-04-04Listed for sale$529,000
2024-11-12Sold$445,000
2024-10-23Pending sale$499,000
2024-09-15Price change$499,000
2024-08-18Price change$514,000
2024-07-15Listed for sale$529,000
2024-06-28Listing removed--
2024-05-18Price change$565,000
2023-07-30Price change$580,000
2023-06-30Listed for sale$600,000

For Sale by Agent

AgentJames Flesch, Your Home Sold Guaranteed Realty Exclusive
BrokerageYour Home Sold Guaranteed Realty Exclusive

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