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4809 Harbor Trl SE, Mandan, ND, 58554

5beds
4baths
3,570sqft
$675,000
$189price/sqft
$4,666/moest. monthly cost
$186,640/yrincome needed

About This Home

Boating Season is ready. This beautiful home offers a convenient parking spot for your boat or pontoon in privately owned Borden Harbor. Borden Harbor is located between Marina Bay and Lakewood within minutes to the Missouri River. Many impressive upgrades: The 9' ft. ceiling kitchen offers solid oak cabinets, equipped with KitchenAid appliances, white/greige quartz countertops with horizontal stacked white subway tile, and a striking black granite island. The adjacent dining room impresses with 14-foot ceiling accented by weathered beams, creating an inviting space for gatherings. With five bedrooms and four bathrooms, there is ample room for family and guests, including multiple living areas to enjoy distinct living areas designed for comfort and relaxation. The main living room features 12' ceilings, newer carpeting and a gas fireplace with arch features, an additional living area on the next level boasts the second fireplace with beautiful arch features and surround sound system. The lowest level has a custom cherry-stained oak bar with oak bar railing, ceramic tile flooring, and is wired for surround TV-perfect for entertaining or relaxing. There are five bedrooms in this home, the primary bedroom has newer carpet with an ultra-thick pad and offers a primary closet and bathroom with double vanities, jetted tub, and walk-in shower. This home provides plenty of space so everyone can enjoy their own area while still coming together in the beautifully designed common spaces. The exterior is meticulously maintained with 4 large pine trees creating a natural fence, apple tree, large parking pad, 12*16 storage shed and underground sprinklers. Three stall garage with 1 deep. The garage is finished, heated, hot and cold water, closet and floor drain. Shingles, gutters, and skylight were replaced August 2025. The owner of this home is a licensed real estate agent in North Dakota.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

6/10
Custer Elementary SchoolGrades PK-53.7 mi
7/10
Mandan Middle SchoolGrades 6-85.7 mi
7/10
Mandan High SchoolGrades 9-124.7 mi

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Concrete Perimeter
  • Roof: See Remarks,Asphalt
  • Construction materials: Aluminum Siding,Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Range,Humidifier,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Daylight,Egress Windows,Finished,Sump Pump

Bathroom1

  • Level: Main

Bathroom2

  • Features: High Ceilings
  • Level: Upper

Bathroom3

  • Level: Lower

Bedroom2

  • Features: Vaulted Ceiling(s)
  • Level: Upper

Bedroom3

  • Features: Vaulted Ceiling(s)
  • Level: Upper

Bedroom4

  • Features: Walk-In Closet(s)
  • Level: Lower

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 2

Dining Room

  • Features: Beamed Ceilings,Vaulted Ceiling(s)
  • Level: Main

Family Room

  • Features: Ceiling Fan(s)
  • Level: Lower

Features

  • See Remarks,High Speed Internet,Primary Bath,Sound System
  • Window features: Window Treatments,Skylight(s)
  • Flooring: Carpet,Ceramic Tile,Laminate,Linoleum
  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,785
  • Finished area above ground: 1,785

Game Room

  • Features: Bar
  • Level: Basement

Heating & Cooling

  • Heating features: Fireplace(s),Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,570
  • Total interior livable area: 3,570 sqft

Kitchen

  • Features: Granite Counters,Kitchen Island,Pantry
  • Level: Main

Laundry

  • Level: Main

Living Room

  • Features: High Ceilings,Open Floorplan
  • Level: Main

Master Bathroom

  • Features: Double Vanity
  • Level: Upper

Master Bedroom

  • Features: Vaulted Ceiling(s),Walk-In Closet(s)
  • Level: Upper

Other

  • Features: Entrance Foyer,High Ceilings
  • Level: Main

Other

  • Level: Basement

Property

Details

  • Parcel number: 650171750

Features

  • Levels: Multi/Split
  • Patio & porch: Deck
  • Exterior features: Storage,Boat Slip
  • Spa features: Whirlpool Tub
  • Waterfront features: Water Access

Lot

  • Lot size: 0.28 Acres
  • Features: Sprinklers In Rear,Sprinklers In Front,Level,Rectangular Lot
  • Lot size dimensions: x by 150

Parking

  • Total spaces: 3
  • Parking features: Heated Garage,Insulated,Parking Pad,Workbench,Triple+ Driveway,Garage Faces Front,Additional Parking,Concrete
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Hail
    HailVery High
  • Ice Storm
    Ice StormVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm
Winter Weather
Inland Flooding
Strong Wind
Tornado
Lightning

FEMA Declared Disasters Across North Dakota Counties

Flood
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,413$40,956
Home Insurance $461$5,532
Property Taxes $562$6,744
Electricity $230$2,769
Total$4,666$55,992

Income You'd Need if You Spent...

35% on housing$159,977/yr
40% on housing$139,980/yr
45% on housing$124,426/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 58554$153
Morton County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 58554$166
Morton County$132

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-12Price change$649,900
2026-04-23Listed for sale$675,000
2026-04-21Listing removed$699,500
2026-03-20Listed for sale$699,500
2026-03-16Listing removed$704,900
2026-03-10Price change$704,900
2026-03-04Price change$710,000
2026-02-25Price change$714,900
2026-02-19Price change$719,900
2026-02-06Price change$725,000
2026-02-03Price change$735,000
2026-01-29Price change$740,000
2026-01-21Price change$744,500
2025-12-13Price change$745,000
2025-12-10Price change$748,500
2025-12-01Listed for sale$749,900

For Sale by Agent

AgentPamela K Schafer
BrokerageBIANCO REALTY, INC.

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