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2163 White Pine Point Rd SW, Pine River, MN, 56474

4beds
3baths
3,200sqft
$774,900
$242price/sqft
$4,915/moest. monthly cost
$196,600/yrincome needed

About This Home

Welcome to White Pine Point, a truly rare offering just outside the city limits of Pine River. Set on just under 3 acres with nearly 700 feet of frontage along the Norway River, this property offers direct access to Norway Lake and a level of privacy and space that’s increasingly hard to find. The home has been thoughtfully reimagined, featuring a custom kitchen with a large island and a formal dining area positioned to take in the water views. The expansive family room is filled with natural light from surrounding windows and anchored by a cozy fireplace, creating a comfortable space to gather year-round. A convenient half bath completes the main living area. Step outside to a large covered porch overlooking the water, with just a few gradual steps leading down to a sandy shoreline—ideal for swimming, relaxing, or launching out for a day on the lake. In addition to the home, the property offers exceptional storage and workspace. The attached heated garage measures an impressive 38x34, providing ample room for vehicles, boats, and equipment. A separate outbuilding includes a spacious workshop, dedicated office area, and loft space that could be utilized for storage or future living quarters. Adding to its character, the property is also home to what is believed to be the oldest cabin in Pine River, located just steps from the water’s edge—offering a unique connection to the area’s history. A property of this size, with this amount of water frontage, usable land, and functional space, is rarely available in this location. As the story goes this property also holds the oldest cabin in Pine Rivers history just a few feet from the river's edge.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1985

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Block,Full

Bedrooms & Bathrooms

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

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 881
  • Finished area above ground: 2,319

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,200
  • Total interior livable area: 3,200 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 020312408
  • Zoning description: Residential-Single Family
  • Foundation area: 2440

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Front Porch,Patio
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: Lake Front,River Front,Waterfront Elevation(0-4)
  • Frontage length: Water Frontage: 700

Lot

  • Lot size: 2.92 Acres
  • Features: Accessible Shoreline
  • Lot size dimensions: 312 x 441

Parking

  • Total spaces: 6
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

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 WaveVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather
Drought
Hail
Heat Wave
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 $3,918$47,016
Home Insurance *$466$5,592
Property Taxes $262$3,144
Electricity $269$3,238
Total$4,915$58,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,514/yr
40% on housing$147,450/yr
45% on housing$131,066/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

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 56474$252
Cass County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 56474$201
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
2026-08-14Listed for sale$744,900
2026-08-11Listing removed$774,900
2026-06-17Price change$774,900
2026-05-08Listed for sale$799,900
2023-06-13Sold$599,000

For Sale by Agent

AgentIsaiah Moengen
BrokerageWoods to Water Real Estate

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