Listed at
$678,000
$406/sqft

Point Of Pines

1090 Rainy Lake Drive, Backus, MN, 56435
3  Bedrooms2  Bathrooms1,669  Square Feet0.57  Acres
Days on market101
Year built2026
Garage spaces2
TypeResidential
Est. $17,340buyer credit when you buy with SODL
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About this home

Rare Rainy Lake waterfront living with panoramic views, exceptional craftsmanship, and room to grow. Set on a beautiful pine-studded point lot with approx 270ft of shoreline, this custom-built year-round lake home offers the kind of setting buyers dream about—sparkling water, towering pines, abundant wildlife, unforgettable sunrises, and expansive Rainy Lake views. Step inside and the lake immediately takes center stage. A dramatic wall of windows fills the open-concept living area with natural light while framing the ever-changing scenery outside. With the home positioned close to the shoreline, you'll enjoy an incredible sense of connection to the water, whether you're relaxing at home, entertaining guests, or enjoying your morning coffee. This Rainy Lake home was thoughtfully designed and built with quality, efficiency, and comfort in mind. Custom Knotty Alder cabinetry, doors, and trim—add warmth and character throughout the home, complemented by beautiful Vulga Blue granite countertops imported from Ukraine and high-quality Marvin windows. The spacious primary suite is a private retreat featuring a gorgeous walk-in tile shower with rainfall shower head, and heated bathroom floors. A custom staircase railing adds a truly unique artistic touch, incorporating details inspired by the property's story, including loons, the lake, and the original cabin where the dream began. Comfort and efficiency continue throughout the home with a poured ICF foundation, spray foam insulation in the home and garage, LP SmartSide Diamond Kote siding, a drilled constant-pressure well, forced-air heating and central air conditioning, and in-floor heat in the basement, garage, and primary bathroom. Enjoy Minnesota's lake lifestyle from the inviting three-season screen porch—the perfect spot for morning coffee, watching the game, entertaining friends, or simply listening to the loons and taking in the sights and sounds of Rainy Lake. And there's even more potential. The full unfinished lower level is already framed and stubbed for an additional bedroom, bathroom, and spacious family room. Full look-out windows bring in natural light and continue the beautiful lake views. Finish the space to create guest accommodations, a recreation room, home office, or expansive lakeside gathering space while adding significant value and equity to the home. Whether you're searching for a Rainy Lake vacation home, year-round lake house, Minnesota waterfront property, or a private recreational retreat, this property offers an exceptional combination of privacy, views, quality construction, and future potential. With outstanding fishing and recreation, abundant wildlife, and the natural beauty of Rainy Lake right outside your door, this is more than a home—it's the opportunity to live the lake lifestyle you've been waiting for.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2026
LevelsOne
Living area1,669 sqft
Above-grade finished1,669 sqft
Below-grade finished0 sqft
Lot size0.57 acres (270xirregular)
Days on market101
ListedJun 3, 2026
MLS #NST7086072
CountyCass
SubdivisionPoint Of Pines
Parcel #344200130

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
1 3/4 / 1 half
Heating
Boiler, Forced Air, In-Floor Heating
Cooling
Central Air
Laundry
Laundry Room, Main Level

Property

Levels / stories
One
Garage
2 spaces · 700 sqft
Parking features
Attached Garage, Gravel, Heated Garage, Insulated Garage
Patio & porch
Front Porch, Glass Enclosed, Side Porch
Exterior features
Cement Board
View
Panoramic

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame, ICFs (Insulated Concrete Forms)
Foundation
ICFs (Insulated Concrete Forms) · 1,669 sqft
Roof
Age 8 Years or Less, Asphalt, Pitched
Year built
2026

Utilities

Water
4-Inch Submersible
Sewer
Septic System Compliant - Yes
Fuel
Propane

Community & HOA

Subdivision
Point Of Pines
HOA
No HOA
School district
2174 - Pine River-Backus
High school district
Pine River-Backus

Financial & listing details

Annual tax
$734 (2025)
Tax with assessments
800
Listed
Jun 3, 2026
Days on market
101
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths0
3/4 baths1
Half baths1
1/4 baths0
BasementDaylight/Lookout Windows, Full, In-Floor Heat, Partially Finished, Sump Pump
HeatingBoiler, Forced Air, In-Floor Heating
CoolingCentral Air
Fireplaces1
LaundryLaundry Room, Main Level
DiningKitchen/Dining Room
AmenitiesCeiling Fan(s), Dock, Kitchen Center Island, Kitchen Window, Main Floor Primary Bedroom, Porch, Panoramic View, Vaulted Ceiling(s)
AccessibilityNone
Special featuresMain Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorCement Board
RoofAge 8 Years or Less, Asphalt, Pitched
FoundationICFs (Insulated Concrete Forms)
Foundation area1,669 sqft
Patio/porchFront Porch, Glass Enclosed, Side Porch
Road frontageTownship
Road responsibilityPublic Maintained Road
ZoningShoreline

Utilities

Water source4-Inch Submersible
SewerSeptic System Compliant - Yes
FuelPropane

Parking & garage

ParkingAttached Garage, Gravel, Heated Garage, Insulated Garage
Garage spaces2
Garage size700 sqft

Financial details

Annual taxes$734
Tax year2025
Taxes w/ assessments800
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District2174 - Pine River-Backus
District number2174
District phone2185874720
High schoolPine River-Backus
SODL flat fee brokerage
$17,340Estimated buyer credit
SODL platform fee $3,000Your buyer credit $17,340

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$3,850/mo
Principal & interest$3,563
Property taxes$61
Home insurance (est.)$226
%
$135,600
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

1090 Rainy Lake Drive, Backus, MN, 56435

Listing information

MLS #NST7086072
StatusActive
Last updatedSep 2, 2026, 3:28 PM
Originally listedJun 19, 2026, 12:00 AM
Listing officeNorth Pointe Realty Advantage

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.