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20611 Becker Lake Cir, Richmond, MN, 56368

3beds
2baths
2,800sqft
$329,000
$118price/sqft
$2,361/moest. monthly cost
$94,440/yrincome needed

About This Home

Bring your vision to life on the Sauk River Chain of Lakes! Welcome to lakeside living on Becker Lake, part of the sought-after Sauk River Chain of Lakes. This 3-bedroom, 2-bath walk-out rambler offers a flexible layout, generous space, and the opportunity to create a lake property that truly fits your style and needs. The main level features comfortable living spaces filled with natural light, beautiful lake views, three bedrooms, and a full bath. The walk-out lower level expands your options with two additional bonus rooms—ideal for guests, a home office, or hobby space—along with a spacious entertainment area and second kitchen. Much of the lower level paneling has already been removed, creating a clean slate ready for fresh ideas and future finishing touches. Whether you’re hosting weekends at the lake or creating a separate hangout space, the layout offers versatility that’s hard to find. Outside, enjoy approximately 110 feet of shoreline with a gradual slope to the water, making access easy and enjoyable. A lakeside tuck-under garage provides convenient storage for all your water toys, while the dedicated workroom is perfect for projects, storage, or gearing up after a day on the lake. With solid space and a functional layout this property offers an excellent opportunity to get on the Sauk River Chain of Lakes while building equity and enjoying access to 15 connected lakes known for boating, fishing, and all-day recreation. Whether you’re searching for a year-round home, a weekend retreat, or your first step into lake living—this is a property worth exploring.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

3/10
2/10
Rocori AlcGrades 7-125.1 mi
7/10
Rocori Middle SchoolGrades 6-85.1 mi

Construction

Condition

  • Year built: 1965

Materials

  • Roof: Asphalt
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Lower Level,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Block,Egress Window(s),Finished,Full

Bedroom

  • Level: Upper
  • Area: 120
  • Dimensions: 10 x 12

Bedroom2

  • Level: Upper
  • Area: 120
  • Dimensions: 10 x 12

Bedroom3

  • Level: Upper
  • Area: 168
  • Dimensions: 12 x 14

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Bonus Room

  • Level: Lower
  • Area: 130
  • Dimensions: 10 x 13

Bonus Room

  • Level: Lower
  • Area: 130
  • Dimensions: 10 x 13

Den

  • Level: Upper
  • Area: 189
  • Dimensions: 13.5 x 14

Family Room

  • Level: Lower
  • Area: 391.5
  • Dimensions: 13.5 x 29

Features

  • Finished area below ground: 880
  • Finished area above ground: 1,400

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Kitchen

  • Level: Upper
  • Area: 200
  • Dimensions: 10 x 20

Kitchen2Nd

  • Level: Lower
  • Area: 361
  • Dimensions: 19 x 19

Living Room

  • Level: Upper
  • Area: 229.5
  • Dimensions: 13.5 x 17

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 23136360000
  • Zoning description: Residential-Single Family
  • Foundation area: 1400

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Composite Decking,Deck
  • Fencing: None
  • Has view: Yes
  • View description: Lake,South
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Frontage length: Water Frontage: 110

Lot

  • Lot size: 0.51 Acres
  • Features: Accessible Shoreline,Corner Lot,Tree Coverage - Light
  • Lot size dimensions: 112 x 221

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hail
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters in Stearns 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 $1,663$19,956
Home Insurance *$243$2,916
Property Taxes $219$2,628
Electricity $236$2,833
Total$2,361$28,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,948/yr
40% on housing$70,830/yr
45% on housing$62,960/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$118This listing

vs Other Active Listings

Avg $/sqft

ZIP 56368$174
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56368$190
Stearns County$148

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
2026-05-06Price change$389,900
2026-02-13Listed for sale$399,900

For Sale by Agent

AgentJamie Juelfs
BrokerageEdina Realty, Inc

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