




20611 Becker Lake Cir, Richmond, MN, 56368
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
Schools
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
- Cold Wave
- Hail
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Stearns County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,663 | $19,956 |
| Home Insurance * | $243 | $2,916 |
| Property Taxes | $219 | $2,628 |
| Electricity | $236 | $2,833 |
| Total | $2,361 | $28,332 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-06 | Price change | $389,900 |
| 2026-02-13 | Listed for sale | $399,900 |
