1653 12th Ave NW, Backus, MN 56435 Property Records

Cass County property record for 1653 12th Ave NW, Backus, MN 56435

Property Summary

Property Type	Seasonal / Vacation Home
Details	1 bd · 1 ba · 624 sqft · built 1945
Lot Size	11.1 acres (484,823 sqft)
Owner	Individual Name on File
Tax Bill	$1,728 (2026)
Deeds & Mortgages	Dec 2008 Reverse Mortgage May 2005 Reverse Mortgage
APN	`32-009-4303`

Property Details

APN / Parcel Number

Primary APN	`32-009-4303`
Alternative APN	`22687`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	624 sqft Base Area
1st Floor Area	624 sqft
Basement Area	312 sqft
Finished Basement	312 sqft
Flooring	Laminate Plank
Interior Walls	Paneling

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	484,823 sqft (11.1 acres)
Lot Dimensions	300 ft deep x 150 ft wide
View / Lot	Waterfront / Beach
Garage Type	Carport
Garage Area	384 sqft
Carport	Carport
Carport Area	384 sqft
Driveway	Driveway
Parking Spaces	1 Parking Space
Deck Area	24 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	22687
Street Address	1653 12TH AVE NW
City	BACKUS
State	MN
Zip	56435-2131
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	PART OF GOV LOT 4
Legal Range	29
Legal Township	139
Legal Section	09
Legal Lot Number	4
Jurisdiction	CASS MN
Township / Civil Division	PONTO LAKE
Census Block Group	1
Census Block	1023
Census Tract	960302

Owner

1653 12th Ave NW, a residential property, is owned and occupied by an individual who acquired it in May 2005.

Source: Cass County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1653 12TH AVE NW, BACKUS, MN 56435-2131
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2008	Deed of Trust, Mortgage · Reverse Mortgage FINANCIAL FREEDOM SENIOR FUNDING CORP
May 26, 2005	Intrafamily Transfer, Transfer · Reverse Mortgage GSF MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 10, 2005
Transfer Doc	0000498992
Record Updated	Oct 29, 2026

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Property Address	1653 12TH AVE NW, BACKUS, MN 56435-2131
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000544854
Date	Dec 17, 2008
Instrument	A000544854

Lender

Name	FINANCIAL FREEDOM SENIOR FUNDING CORP
Type	Reverse Mortgage Lender
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1005 Months
Due	Sep 16, 2092

Interest

Rate Type	Adjustable Rate
Rate	2.71%

May 2005: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CASS MN
Recording Date	May 26, 2005
Property Address	1653 12TH AVE NW, BACKUS, MN 56435-2131
Document Number	A000498992
Instrument Date	May 10, 2005
Instrument	A000498992
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1653 12TH AVE NW, BACKUS, MN 56435-2131
Investor	Possibly a Property Investor

Mortgage

Document Number	A000498993
Date	May 26, 2005
Instrument	A000498993

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company
Address	OAK BROOK, IL 60523

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1048 Months
Due	Sep 16, 2092

Interest

Rate Type	Adjustable Rate
Rate	4.83%
Type Change Date	Aug 1, 2005
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	14.8%

Tax Assessment & Valuation

The 2026 property tax bill for 1653 12th Ave NW was $1,728, up 18.4% from the year before.

Source: Cass County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Cass County
County Subdivision	Ponto Lake Township
Unified School District	Pine River-Backus Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,728.00 (+18.36%)
2025	$1,460.00	$338,500 Land $237,000 Building $101,500	$338,500 Land $237,000 Building $101,500
2023	$1,218.00
2022		$300,500 Land $213,100 Building $87,400	$300,500 Land $213,100 Building $87,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 1653 12th Ave NW.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1653 12th Ave NW is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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