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736 Oak Trl, Fergus Falls, MN, 56537

2beds
2baths
1,647sqft
$479,000
$291price/sqft
$3,639/moest. monthly cost
$145,560/yrincome needed

About This Home

Welcome to effortless luxury living at River Oaks Village, West Central Minnesota’s premier 55+ private community offering beautifully designed townhomes and standalone residences. Located at 736 Oak Trail, this exceptional 2-bedroom, 2-bath townhome blends comfort, security, and convenience. The open-concept layout is enhanced by a trayed ceiling and abundant natural light, while a thoughtfully designed laundry room and generous closet space add everyday ease. The private primary suite features a spa-inspired bath with double sinks, a walk-in shower, and an oversized walk-in closet that also serves as a storm shelter and safe room providing peace of mind year-round. A standout feature is the attached, heated 653 sq. ft. two-stall garage, perfect for Minnesota winters and extra storage. The $185/month association fee covers lawn care, irrigation, snow removal, and most exterior maintenance, allowing you to truly enjoy low-maintenance living. A trail system along the north edge of the property seamlessly connects you to Fergus Falls and its extensive trail network, and you'll love the association-owned pathway and private dock providing access to the Ottertail River. With quality finishes and thoughtful details throughout, this is a home you truly need to experience in person, schedule your private showing today.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

--
4/10
iQ Academy 6-8Grades 6-81.7 mi
4/10
iQ Academy MinnesotaGrades 9-121.7 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Main Level

Basement

  • Basement: None

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,647

Heating & Cooling

  • Heating features: Boiler,Forced Air,Heat Pump,In-Floor Heating
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,647
  • Total interior livable area: 1,647 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: Doors 36"+,Door Lever Handles,No Stairs External,No Stairs Internal

Details

  • Parcel number: 71004990944000
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 1647

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: None

Lot

  • Lot size: 4,356 sqft
  • Lot size dimensions: 50 x 88

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Heated Garage
  • 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
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Otter Tail 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 $2,422$29,064
Home Insurance *$285$3,420
Property Taxes $762$9,144
Electricity $170$2,050
Total$3,639$43,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,765/yr
40% on housing$109,170/yr
45% on housing$97,040/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$291This listing

vs Other Active Listings

Avg $/sqft

ZIP 56537$139
Otter Tail County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 56537$146
Otter Tail County$152

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
2026-01-27Listed for sale$489,000
2023-09-20Listing removed--
2023-07-29Listed for sale$461,000

For Sale by Agent

AgentAndrew Yaggie
BrokerageAndrew Yaggie Real Estate

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