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407 16th St NE, Dilworth, MN, 56529

2beds
2baths
1,424sqft
$344,900
$242price/sqft
$2,413/moest. monthly cost
$96,520/yrincome needed

About This Home

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

5/10
Horizon Middle SchoolGrades 5-82.4 mi
7/10
Moorhead High SchoolGrades 9-123.1 mi
2/10
R. Asp Elementary SchoolGrades K-44.1 mi

Construction

Condition

  • Year built: 2026

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Basement: None

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,424

Heating & Cooling

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

Interior Area

  • Total structure area: 1,424
  • Total interior livable area: 1,424 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Primary Bathroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 524510210
  • Zoning description: Residential-Single Family
  • Foundation area: 1424

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 5,793 sqft
  • Lot size dimensions: 60 x 104

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

  • Cold Wave
    Cold WaveVery High
  • Winter Weather
    Winter WeatherVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $1,744$20,928
Home Insurance *$180$2,160
Property Taxes $319$3,828
Electricity $170$2,050
Total$2,413$28,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,731/yr
40% on housing$72,390/yr
45% on housing$64,346/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 56529$140
Clay County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 56529
Clay County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-11-10Price change$344,900
2025-11-07Listed for sale$349,900
2022-01-01Listing removed--
2020-08-30Listed for sale$29,000

For Sale by Agent

AgentCole Jirik
BrokerageHerd Realty LLP

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