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363 Pine Acres Trl NW, Backus, MN, 56435

3beds
2baths
1,500sqft
$459,900
$307price/sqft
$3,014/moest. monthly cost
$120,560/yrincome needed

About This Home

Country Living on 7 Acres — Modern Comfort Near Northwoods Lakes. Experience the perfect blend of privacy, craftsmanship, and natural beauty on this stunning 7-acre property in the heart of northern Minnesota. Enjoy peaceful country living with private walking paths carved through mature woods—ideal for year-round recreation—all just minutes from some of the area’s most sought-after lakes, including Birch Lake, Ten Mile Lake, Pine Mountain Lake, and the renowned Leech Lake—offering endless opportunities for boating, fishing, and lakeside relaxation. Built in 2021, this newer home showcases quality craftsmanship, modern efficiency, and thoughtful design throughout. A paved circular driveway welcomes you and leads to a heated and insulated 32x38 three-car garage—perfect for vehicles, recreational toys, or a workshop. Property includes 2 septic hookups and a 30-amp pedestal for RV's. Relax and entertain on the expansive 8x50 covered porch/patio while taking in the serene surroundings. Inside, you’ll find 3 bedrooms and 2 bathrooms with 9’ ceilings throughout, along with vaulted ceilings in the living, dining, and kitchen areas that create a bright, open feel. Transom windows enhance the space with natural light and architectural charm. Enjoy year-round comfort with epoxy floors and in-floor heating powered by an on-demand boiler. The custom kitchen features knotty alder cabinetry, a large center island, granite countertops, and stainless steel appliances—perfect for everyday living and hosting. The spacious primary suite offers a private retreat with a walk-in closet, while maple trim and doors throughout add warmth and timeless style. A large laundry room with custom cabinetry provides added convenience and storage. Additional highlights include a new roof in 2025 and fiber internet run directly to the home—giving you modern connectivity in a peaceful rural setting. This property offers the ideal combination of acreage, quality construction, and proximity to some of northern Minnesota’s most legendary lakes. Schedule your showing today and experience true Northwoods living.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Age 8 Years or Less,Asphalt,Pitched

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dryer,Exhaust Fan,Range,Refrigerator,Stainless Steel Appliance(s),Tankless Water Heater,Water Softener Owned
  • Laundry features: Main Level,Sink

Basement

  • Basement: None

Bathroom

  • Level: Main
  • Area: 47.9167
  • Dimensions: 9'7x5

Bedroom

  • Level: Main
  • Area: 232.75
  • Dimensions: 16'4x14'3

Bedroom2

  • Level: Main
  • Area: 162.2222
  • Dimensions: 13'4x12'2

Bedroom3

  • Level: Main
  • Area: 157.7778
  • Dimensions: 13'4x11'10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • 3/4 bathrooms: 2

Dining Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,500

Heating & Cooling

  • Heating features: In-Floor Heating
  • Cooling features: None

Interior Area

  • Total structure area: 1,500
  • Total interior livable area: 1,500 sqft

Kitchen

  • Level: Main
  • Area: 237
  • Dimensions: 12x19'9

Laundry

  • Level: Main
  • Area: 97
  • Dimensions: 6x16'2

Living Room

  • Level: Main
  • Area: 335.75
  • Dimensions: 17x19'9

Primary Bathroom

  • Level: Main
  • Area: 49.4375
  • Dimensions: 9'5x5'3

Property

Accessibility

  • Accessibility features: No Stairs External,No Stairs Internal

Details

  • Parcel number: 340321104
  • Zoning description: Residential-Single Family
  • Foundation area: 1500

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Patio,Porch,Rear Porch

Lot

  • Lot size: 7 Acres
  • Features: Tree Coverage - Medium
  • Lot size dimensions: See survey

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 $2,325$27,900
Home Insurance *$228$2,736
Property Taxes $291$3,492
Electricity $170$2,050
Total$3,014$36,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,337/yr
40% on housing$90,420/yr
45% on housing$80,373/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

$307This listing

vs Other Active Listings

Avg $/sqft

ZIP 56435$174
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)

Price History

DateEventPrice
2026-05-09Price change$489,900
2026-01-29Price change$499,900
2025-12-19Listed for sale$515,000
2021-06-25Sold$40,000

For Sale by Agent

AgentJeremy Miller
BrokerageEdina Realty, Inc.

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