4074 Clough Rd, Backus, MN 56435 Property Records

Crow Wing County property record for 4074 Clough Rd, Backus, MN 56435

Property Summary

Property Type	Seasonal / Vacation Home
Details	2,178 sqft · built 2008
Lot Size	5.43 acres (236,590 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Dec 2007)
Tax Bill	$2,578 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`640022405B00009`

Property Details

APN / Parcel Number

Primary APN	`640022405B00009`
Alternative APNs	`64020527` `126474`

Interior

Stories	2 Stories
Building Area	2,178 sqft Living Area
1st Floor Area	1,666 sqft
Basement Area	641 sqft
Finished Basement	641 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	236,590 sqft (5.43 acres)
View / Lot	Waterfront / Beach
Garage Area	728 sqft
Deck Area	24 sqft
Storage Building	96 sqft
Pole Barn	2,160 sqft

Utilities, Heating & Cooling

Heating System	Wood Furnace

Location & Zoning

Account Number	126474
Street Address	4074 CLOUGH RD
City	BACKUS
State	MN
Zip	56435
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	THAT PART OF GOV. LOT 5 SEC. 2 DESCRIBED AS FOLLOWS; COMM. AT THE SE CORNER OF SAID GOV. LOT 5, THEN N. 89 DEG 07 MIN 46 SEC
Legal Range	29W
Legal Township	138
Legal Section	02
Legal Lot Number	5
Jurisdiction	CROW WING MN
Township / Civil Division	GAIL LAKE
Census Block Group	2
Census Block	2008
Census Tract	951700

Owner

Source: Crow Wing County records · APN 640022405B00009

Assessment roll updated August 28, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	5186 146TH CIR NW, ANOKA, MN 55303-5103
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 2007 · Amount on Record
Deed Sale	Dec 01, 2007 · Amount on Record
Prior Sale	Jun 01, 2006 · Amount on Record
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CROW WING MN
Recording Date	Jun 16, 2026
Property Address	4074 CLOUGH RD, BACKUS, MN 56435
Document Number	0001025216
Instrument Date	May 18, 2026
Instrument	20261025216
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	5186 146TH CIR NW, ANOKA, MN 55303-5103

Mortgage

Document Number	0001025216,
Date	Jun 16, 2026
Instrument	20261025216

Lender

Name	CROW WING POWER CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	94 Months
Due	Apr 20, 2034

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

Source: Crow Wing County records · Assessment roll updated August 28, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,578.00 (+13.57%)	$615,300 (+0.89%) Land $138,600 Building $476,700	$615,300 (+0.89%) Land $138,600 Building $476,700
2025		$609,900 (+4.87%) Land $120,600 Building $489,300	$609,900 (+4.87%) Land $120,600 Building $489,300
2023	$2,270.00	$581,600 Land $99,900 Building $481,700	$581,600 Land $99,900 Building $481,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 15, 2017 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Tri-Co Technologies Fiber	2,500 / 2,500

Based on FCC filings for 8 locations within half a mile of this property.

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