884 County 46 NW, Backus, MN 56435 Property Records

Cass County property record for 884 County 46 NW, Backus, MN 56435

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 882 sqft · built 1980
Lot Size	1.88 acres (81,893 sqft)
Owner	Individual Name on Record
Tax Bill	$2,096 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2019 Refinance + 2 more
APN	`32-003-4211`

Property Details

APN / Parcel Number

Primary APN	`32-003-4211`
Alternative APN	`22475`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	882 sqft Base Area
1st Floor Area	882 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Logs
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,893 sqft (1.88 acres)
Lot Dimensions	300 ft deep x 150 ft wide
View / Lot	Waterfront / Beach
Garage Area	600 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	24 sqft
Deck Area	536 sqft
Shed	1 Shed
Shed Area	1 sqft
Lean-To	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	22475
Street Address	884 COUNTY 46 NW
City	BACKUS
State	MN
Zip	56435-3006
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	PT OF GOV LOT 8, SEC 3-139-29
Legal Range	29
Legal Township	139
Legal Section	03
Legal Lot Number	8
Jurisdiction	CASS MN
Township / Civil Division	PONTO LAKE
Census Block Group	1
Census Block	1019
Census Tract	960302

Owner

Source: Cass County records, as of August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	884 COUNTY 46 NW, BACKUS, MN 56435-3006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA
Sep 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SUMMIT MORTGAGE
Dec 17, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance SUMMIT MORTGAGE
Sep 21, 2020	Deed of Trust, Mortgage · VA Mortgage SUMMIT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Property Address	884 COUNTY 46 NW, BACKUS, MN 56435-3006
Transaction Type	Mortgage
Record Updated	Dec 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000699072
Date	Nov 27, 2023
Instrument	A000699072

Lender

Name	BMO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2053

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Property Address	884 COUNTY 46 NW, BACKUS, MN 56435-3006
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	ALL AMERICAN TITLE AGENCY LLC, ALL AMERICAN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000653803
Date	Sep 30, 2019
Instrument	A000653803

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Property Address	884 COUNTY 46 NW, BACKUS, MN 56435-3006
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000646700
Date	Dec 17, 2018
Instrument	A000646700

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MN
Property Address	884 COUNTY 46 NW, BACKUS, MN 56435-3006
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000663915
Date	Sep 21, 2020
Instrument	A000663915

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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	$2,096.00 (+2.14%)
2025	$2,052.00 (+45.95%)	$392,600 (+38.14%) Land $183,300 Building $209,300	$392,600 (+38.14%) Land $183,300 Building $209,300
2023	$1,406.00
2022		$284,200 Land $118,800 Building $165,400	$284,200 Land $118,800 Building $165,400

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

Flood

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

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	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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TDS Telecom DSL	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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