6761 County Rd

Far off

55 photos

Photos, via Realtor.com.

Asking price: $689,900
Monthly cash flow: −$1,714
Estimated rent: $3,350/mo
Break-even price: $367,815

Adjust the numbers See the full breakdown

From the listing

Offered completely turnkey, this exceptional triplex comes with two fully furnished units, making it easy to begin enjoying the Whitefish Chain and the Northwoods from day one. After years of creating lasting memories here, the current owners are ready to begin their next adventure traveling the world and are excited to pass the torch to the next buyers. No detail was overlooked in this meticulously maintained and thoughtfully updated property, where quality craftsmanship and pride of ownership are evident throughout. Each of the three spacious units features warm tongue-and-groove finishes, an inviting Up North aesthetic and plentiful storage. Each unit also has its own dedicated forced-air furnace, air conditioning, on-demand water heater, supplemental baseboard heat, and private in-unit washer and dryer. The two main-level units each offer a private patio, while the upper-level unit enjoys a deck overlooking the woods. Outside, you'll find a level lot with beautiful outdoor space, tidy landscaping, ample parking, and an impressive five-stall pole building with electricity, pristine concrete floors, and dedicated storage for each unit, providing plenty of room for vehicles, boats, and recreational equipment. Located just three minutes from a full-service marina, this property offers quick access to the Whitefish Chain, Crosslake, championship golf, shopping, dining, and endless four-season recreation. Whether you're looking for a high-quality investment, an owner-occupied income property, or the ultimate Up North getaway, this one-of-a-kind property is ready to enjoy from the moment you arrive.

Description from Realtor.com, MLS #7100000. Believed reliable but not guaranteed; confirm with the listing agent. View on Realtor.com ↗

The numbers

Edit rents, costs and assumptions

Default: 20% down (no PMI), offer at asking, self-managed, 7.00% for 30 years, buyer pays closing costs (3%).

The deal

Price: $689,900
Cash to close: $158,677
Price per unit: $229,967
GRM: 17.2

Each month

Cash flow: −$1,714/mo
Cash-on-cash: −13.0%
Cap rate: 3.4%
DSCR: 0.53×

Break-even

Price that breaks even: $367,815
Rent that breaks even: $5,493/mo

Long run

Year 30: property vs stocks: $1.61M vs $2.42M
Cash flow turns positive: year 24

Monthly

Monthly breakdown

Rent	$3,350
Vacancy (6%)	−$201
Collected	$3,149
Property tax Listing	−$130
Insurance Estimate	−$277
Water, sewer, trash Estimate	−$255
Lawn care ($120 × 6 mo ÷ 12)	−$60
Repairs (7% of rent)	−$235
Capital reserve (7% of rent)	−$235
Net operating income	$1,958
Mortgage (principal + interest)	−$3,672
Cash flow	−$1,714
Principal paid down (equity, not cash)	$467

Cash flow each year

Rents +3%/yr, costs +3.5%/yr. Red bars are months you'd cover out of pocket.

30 years

How those totals add up

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,674,568
Minus 6% selling cost	−$100,474
Minus loan still owedTenants' rent paid down all $620,910 of principal by year 30	$0
Plus rental profits, invested at 7%$4,006 of profit by year 30, before investment growth	$4,097
What you'd walk away with	$1,578,191
If you put the same money in stocks
Cash to close ($89,687) invested at 7%	$682,720
Monthly shortfalls ($427,208 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,828,073
What you'd walk away with	$2,510,794
Building minus stocks	−$932,603

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,674,568
Minus 6% selling cost	−$100,474
Minus loan still owedTenants' rent paid down all $620,910 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$1,574,094
If you put the same money in stocks
Cash to close ($89,687) invested at 7%	$682,720
Monthly shortfalls ($585,002 total by yr 30) investedThe money you'd have put into the building while it lost money	$2,264,820
What you'd walk away with	$2,947,540
Building minus stocks	−$1,373,446

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,650,296
Minus 6% selling cost	−$99,018
Minus loan still owedTenants' rent paid down all $611,910 of principal by year 30	$0
Plus rental profits, invested at 7%$6,084 of profit by year 30, before investment growth	$6,318
What you'd walk away with	$1,557,596
If you put the same money in stocks
Cash to close ($88,387) invested at 7%	$672,824
Monthly shortfalls ($407,460 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,760,681
What you'd walk away with	$2,433,505
Building minus stocks	−$875,909

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,650,296
Minus 6% selling cost	−$99,018
Minus loan still owedTenants' rent paid down all $611,910 of principal by year 30	$0
Plus rental profits, invested at 7%$0 of profit by year 30, before investment growth	$0
What you'd walk away with	$1,551,278
If you put the same money in stocks
Cash to close ($88,387) invested at 7%	$672,824
Monthly shortfalls ($563,176 total by yr 30) investedThe money you'd have put into the building while it lost money	$2,195,207
What you'd walk away with	$2,868,031
Building minus stocks	−$1,316,753

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,674,568
Minus 6% selling cost	−$100,474
Minus loan still owedTenants' rent paid down all $551,920 of principal by year 30	$0
Plus rental profits, invested at 7%$29,135 of profit by year 30, before investment growth	$32,940
What you'd walk away with	$1,607,034
If you put the same money in stocks
Cash to close ($158,677) invested at 7%	$1,207,890
Monthly shortfalls ($268,473 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,216,562
What you'd walk away with	$2,424,452
Building minus stocks	−$817,418

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,674,568
Minus 6% selling cost	−$100,474
Minus loan still owedTenants' rent paid down all $551,920 of principal by year 30	$0
Plus rental profits, invested at 7%$203 of profit by year 30, before investment growth	$203
What you'd walk away with	$1,574,297
If you put the same money in stocks
Cash to close ($158,677) invested at 7%	$1,207,890
Monthly shortfalls ($401,341 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,624,669
What you'd walk away with	$2,832,558
Building minus stocks	−$1,258,261

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,650,296
Minus 6% selling cost	−$99,018
Minus loan still owedTenants' rent paid down all $543,920 of principal by year 30	$0
Plus rental profits, invested at 7%$33,606 of profit by year 30, before investment growth	$38,467
What you'd walk away with	$1,589,745
If you put the same money in stocks
Cash to close ($156,377) invested at 7%	$1,190,382
Monthly shortfalls ($253,783 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,161,758
What you'd walk away with	$2,352,140
Building minus stocks	−$762,395

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,650,296
Minus 6% selling cost	−$99,018
Minus loan still owedTenants' rent paid down all $543,920 of principal by year 30	$0
Plus rental profits, invested at 7%$842 of profit by year 30, before investment growth	$842
What you'd walk away with	$1,552,120
If you put the same money in stocks
Cash to close ($156,377) invested at 7%	$1,190,382
Monthly shortfalls ($382,819 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,564,976
What you'd walk away with	$2,755,358
Building minus stocks	−$1,203,238

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,674,568
Minus 6% selling cost	−$100,474
Minus loan still owedTenants' rent paid down all $517,425 of principal by year 30	$0
Plus rental profits, invested at 7%$50,916 of profit by year 30, before investment growth	$60,867
What you'd walk away with	$1,634,962
If you put the same money in stocks
Cash to close ($193,172) invested at 7%	$1,470,475
Monthly shortfalls ($207,635 total by yr 30) investedThe money you'd have put into the building while it lost money	$984,349
What you'd walk away with	$2,454,823
Building minus stocks	−$819,861

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,674,568
Minus 6% selling cost	−$100,474
Minus loan still owedTenants' rent paid down all $517,425 of principal by year 30	$0
Plus rental profits, invested at 7%$5,364 of profit by year 30, before investment growth	$5,579
What you'd walk away with	$1,579,674
If you put the same money in stocks
Cash to close ($193,172) invested at 7%	$1,470,475
Monthly shortfalls ($323,883 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,369,905
What you'd walk away with	$2,840,379
Building minus stocks	−$1,260,705

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,650,296
Minus 6% selling cost	−$99,018
Minus loan still owedTenants' rent paid down all $509,925 of principal by year 30	$0
Plus rental profits, invested at 7%$56,432 of profit by year 30, before investment growth	$68,272
What you'd walk away with	$1,619,550
If you put the same money in stocks
Cash to close ($190,372) invested at 7%	$1,449,160
Monthly shortfalls ($195,188 total by yr 30) investedThe money you'd have put into the building while it lost money	$935,193
What you'd walk away with	$2,384,353
Building minus stocks	−$764,803

	Year 30
If you buy this building
Sale priceValue grows 3% a year from the price	$1,650,296
Minus 6% selling cost	−$99,018
Minus loan still owedTenants' rent paid down all $509,925 of principal by year 30	$0
Plus rental profits, invested at 7%$7,270 of profit by year 30, before investment growth	$7,639
What you'd walk away with	$1,558,917
If you put the same money in stocks
Cash to close ($190,372) invested at 7%	$1,449,160
Monthly shortfalls ($307,826 total by yr 30) investedThe money you'd have put into the building while it lost money	$1,315,403
What you'd walk away with	$2,764,563
Building minus stocks	−$1,205,646

Future dollars. At 3% inflation, divide year-30 figures by about 2.4 for today's buying power. Rental profits are assumed invested, not spent.

30 years: this property vs. the same money in stocks

This propertyStocks at 7%

Year 30 (loan paid off): property $1.61M, stocks $2.42M. Stocks win.

Comparable rentals

The closest rental listings with each unit's bedroom count, as of 2026-10-04. The estimate is the median asking rent of every rental we found nearby (the count is shown for each); houses are left out. Asking rents from Realtor.com rental listings, not signed leases.

2 bed estimate $1,300/mo · range $1,000–$1,550 · 9 rentals in Crow Wing County

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Type
100 4th St, Ironton	$1,275	2 / 1	—	18.3 mi	2026-05-23	Apartment
12383 State Highway 210, Brainerd	$675	2 / 1	—	19.3 mi	2026-04-03	Apartment
1509 Norwood St, Brainerd	$895	2 / 1	—	21.0 mi	2026-09-07	Apartment
916 S 8th St, Brainerd	$1,060	2 / 1	776	21.3 mi	2024-04-15	Apartment
922 Broadway St, Brainerd	$995	2 / 1	—	21.3 mi	2026-03-04	Apartment
623 28th St SE, Brainerd	$1,550	2 / 2	964	21.3 mi	2026-02-05	Apartment
2100 Breilly Ct Unit 2219, Brainerd	$1,449	2 / 1	—	21.4 mi	—	Apartment
941 28th St SE, Brainerd	$1,550	2 / 2	964	21.4 mi	—	Apartment
Buffalo Hills Ln E, Brainerd	$1,250	2 / 2	—	22.4 mi	2026-08-12	Apartment

1 bed estimate $1,025/mo · range $875–$1,300 · 357 rentals across Greater Minnesota

Address	Rent	Bd / Ba	Sq ft	Distance	Listed	Type
616 1/2 Front St, Brainerd	$625	1 / 1	—	20.7 mi	2026-07-28	Apartment
214 S 8th St, Brainerd	$620	1 / 1	—	20.7 mi	2025-09-05	Apartment
207 Cedar St NE, Remer	$742	1 / 1	550	32.4 mi	2025-02-17	Apartment
101 SW Thompson St, Verndale	$890	1 / 1	550	40.0 mi	2025-10-10	Apartment
222 1st Ave NE Apt 5, Eagle Bend	$895	1 / 1	550	49.9 mi	2026-04-20	Apartment
2199 SW 8th St # 403, Grand Rapids	$1,250	1 / 1	662	51.4 mi	—	Apartment
2199 SW 8th St # 232, Grand Rapids	$1,475	1 / 1	772	51.4 mi	—	Apartment
2199 SW 8th St # 105, Grand Rapids	$1,325	1 / 1	662	51.4 mi	—	Apartment
2199 SW 8th St # 121, Grand Rapids	$1,425	1 / 1	716	51.4 mi	—	Apartment
2199 SW 8th St # 206, Grand Rapids	$1,375	1 / 1	717	51.4 mi	—	Apartment

On the maps, this property and comparable rentals. Comparable rentals and rent estimate: Realtor.com rental listings. Rents are asking rents from listings; check them against the actual leases.

Red flags and opportunities

Watch for

mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 6761 COUNTY RD
mediumAsking is $322,085 above the price where cash flow breaks even ($367,815) at the default scenario. Based on: Derived: price $689,900 vs. break-even $367,815

Opportunities

Long time on market: room to negotiate. Based on: Listing data: 95 days on market

Questions for the agent

Can we see the current leases and a rent roll, with move-in dates?
What did water/sewer/trash, heat and electric cost the owner over the last 12 months?
How old are the roof, boiler or furnaces, water heaters and electrical panels?
Is the building licensed as a rental for this many units, and when was the last city inspection?
Any special assessments pending, and will the seller pay them off at closing?

Standard questions worth asking about any building.

What the records say

Where each number comes from

Property tax / yr Listinglisting, tax year 2026. The tax the listing states. If the seller lives there it may be at the lower homestead rate; an investor owner pays the non-homestead rate, often 20–40% more on the owner's unit.	$1,564
Insurance / yr Estimateestimate. from units, square feet and age; get a quote	$3,324
Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid	$255
Heat / mo Assumptionassumption. tenants pay heat; confirm with the agent	$0
Lawn care / mo Assumptionassumption. $120/mo for 6 months, spread over 12; no snow removal	$60
Repairs / capital reserve Rulerule. "fully updated" in the description: -1 pts each	7% / 7%

Status history

2026-07-02New at $689,900

From the listing Listing

Listed as	triplex
Property tax, 2026	$1,564
County	Crow Wing
Parcel number	68290610

As the listing states it (NorthstarMLS, via Realtor.com). We don't have county records here yet; check the tax, homestead status and special assessments with the county.

Crime, rental-license and vacant-building records are only available for St. Paul and Minneapolis so far. Check with Pequot Lakes on rental licensing before you buy.