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2401 Birch Park Trl NW, Backus, MN, 56435

4beds
2baths
1,128sqft
$359,900
$319price/sqft
$2,334/moest. monthly cost
$93,360/yrincome needed

About This Home

Enjoy the true Up North lifestyle with this 4-bedroom, 2-bath seasonal cabin featuring 100 feet of level frontage on Long Lake Number Two with a beautiful sandy shoreline. Surrounded by towering pines, this peaceful retreat offers excellent fishing, stunning lake views, and endless potential. The spacious living area features a full wall of windows overlooking the lake, creating the perfect place to relax and take in the scenery. Step outside onto the large deck overlooking the water, ideal for morning coffee, entertaining, or enjoying breathtaking sunsets. The full walkout basement is ready to be finished, offering the opportunity to add additional living space while building equity. The property also extends across the road, providing ample room for a garage, storage building, or future expansion.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

4/10
W.H.A. Elementary SchoolGrades PK-618.1 mi
4/10

Construction

Condition

  • Year built: 1980

Materials

  • Roof: Age Over 8 Years,Asphalt
  • Construction materials: Block,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,128

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 2,064
  • Total interior livable area: 1,128 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 515200040
  • Zoning description: Residential-Single Family
  • Other equipment: Fuel Tank - Rented
  • Foundation area: 936

Features

  • Levels: One
  • Stories: 1
  • Fencing: None
  • Has view: Yes
  • View description: West
  • On waterfront: Yes
  • Waterfront features: Lake Front,Waterfront Elevation(0-4),Lake Bottom(Sand)
  • Frontage length: Water Frontage: 100

Lot

  • Lot size: 0.73 Acres
  • Features: Accessible Shoreline,Irregular Lot,Tree Coverage - Medium
  • Lot size dimensions: irregualr

Parking

  • Parking features: Gravel

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
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Winter Weather
Lightning
Strong Wind

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 $1,819$21,828
Home Insurance *$178$2,136
Property Taxes $167$2,004
Electricity $170$2,050
Total$2,334$28,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,022/yr
40% on housing$70,020/yr
45% on housing$62,240/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

$319This listing

vs Other Active Listings

Avg $/sqft

ZIP 56435$184
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
2026-07-16Listed for sale$359,900

For Sale by Agent

AgentElijah Rick
BrokerageReal Broker, LLC

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