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4335 23rd Ave S, Moorhead, MN, 56560

3beds
3baths
1,945sqft
$469,900
$242price/sqft
$3,252/moest. monthly cost
$130,080/yrincome needed

About This Home

One of a kind—this custom-built home offers 3 bedrooms, a huge bonus room, 3 bathrooms, and an oversized fully finished & heated 2-stall garage! From the moment you step inside, you’ll be wowed by the thoughtful design, where every inch is maximized for both function and style. The main level features in-floor heat, an inviting mudroom with extensive custom built-ins, a massive bonus room perfect for a family room, gym, or playroom, plus a bedroom and full bathroom. Upstairs, enjoy true one-level living with soaring vaulted ceilings, a cozy electric fireplace, and an impressive custom kitchen featuring a 36” gas range, built-in hood, 8-foot eat-up island, and walk-in pantry! Beautiful solid oak doors throughout the home add warmth and timeless character. The private primary suite offers dual sinks, a beautiful tiled walk-in shower, a custom walk-in closet, and conveniently located laundry. You’ll also appreciate the thoughtfully designed built-ins in the upper-level bathroom and bedroom. The garage includes a dedicated storage room, attic space and attached mechanical room for tons of storage. Mechanicals are less than two years old, including a tankless water heater for added peace of mind. Outside, relax on the large patio overlooking the fully fenced with maintence free brown PVC massive backyard with no backyard neighbors, and sprinkler system! Permanant outdoor christmas lights installed on front of house. Come see this one before it’s gone!! Owner/Agent

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
39
BikeSomewhat Bikeable

Schools

5/10
Horizon Middle SchoolGrades 5-80.6 mi
7/10
Moorhead High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 2024

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Basement: None

Bathroom

  • Level: Upper

Bathroom

  • Level: Upper

Bathroom

  • Level: Main

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 3/4 bathrooms: 1

Bonus Room

  • Level: Main

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,945

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,945
  • Total interior livable area: 1,945 sqft

Kitchen

  • Level: Upper

Living Room

  • Level: Upper

Other

  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 583530120
  • Zoning description: Residential-Single Family
  • Foundation area: 693

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: Vinyl

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 72 x 160

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Strong Wind
Hail
Tornado

FEMA Declared Disasters in Clay County and Minnesota

Flood
Severe Storm
Straight Line Winds

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 $2,376$28,512
Home Insurance *$183$2,196
Property Taxes $523$6,276
Electricity $170$2,050
Total$3,252$39,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,497/yr
40% on housing$97,560/yr
45% on housing$86,720/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$242This listing

vs Other Active Listings

Avg $/sqft

ZIP 56560$134
Clay County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 56560
Clay County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$469,900
2026-07-28Listed for sale$469,900
2025-02-07Sold$431,151
2024-05-20Sold$32,000

For Sale by Agent

AgentKinsey Wallace
BrokerageREALTY XPERTS

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