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2629 38th Ave S, Moorhead, MN, 56560

4beds
3baths
2,427sqft
$419,900
$173price/sqft
$2,898/moest. monthly cost
$115,920/yrincome needed

About This Home

UNDER CONSTRUCTION! This 4 bedroom 3 bath 3 level split features over 2400 sq ft, with an open concept kitchen with custom cabinets, dining room and living room, bedroom with walk-in closet, private bath with double sinks and an additional bedroom on the second floor. Enjoy a spacious family room, 2 more bedrooms and full bathroom on the lower level. There's still time to pick your colors! SOD/SPRINKLERS/DECK included. Custom cabinets by Clearwater Cabinets, and gas line plumbed to garage. Call your favorite realtor for a showing today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

5/10
Horizon Middle SchoolGrades 5-82.0 mi
7/10
Moorhead High SchoolGrades 9-122.6 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Microwave,Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Concrete

Bathroom

  • Level: Second

Bathroom

  • Level: Second

Bathroom

  • Level: Basement

Bedroom

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Basement

Bedroom4

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 702
  • Finished area above ground: 1,725

Foyer

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 2,427
  • Total interior livable area: 2,427 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Second

Living Room

  • Level: Main

Other

  • Level: Basement

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 586230770
  • Zoning description: Residential-Single Family
  • Foundation area: 984

Features

  • Levels: Three Level Split

Lot

  • Lot size: 4,573 sqft
  • Lot size dimensions: irr

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
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Strong Wind
Hail
Inland Flooding
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 $2,123$25,476
Home Insurance *$183$2,196
Property Taxes $388$4,656
Electricity $204$2,456
Total$2,898$34,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,360/yr
40% on housing$86,940/yr
45% on housing$77,280/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

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 56560$135
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)

Price History

DateEventPrice
2026-04-30Price change$419,900
2025-11-20Listed for sale$399,900
2025-11-18Listing removed$399,900
2025-08-26Listed for sale$399,900
2023-10-14Listing removed--
2023-06-12Listed for sale$24,900

New Construction

AgentJustin Cross
BrokerageAspire Realty

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