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1403 35th Street Cir S, Moorhead, MN, 56560

4beds
3baths
2,054sqft
$355,500
$173price/sqft
$2,481/moest. monthly cost
$99,240/yrincome needed

About This Home

Beautifully maintained 4-bedroom, 3-bath bi-level in Moorhead's sought-after Horizon Shores neighborhood! This move-in-ready home features vaulted ceilings, a spacious kitchen with a center island and pantry cupboard, a private primary suite with walk-in closet and full bath, and a large lower-level family room. Enjoy the upper-level deck, generous backyard, and attached insulated 3-stall garage. Conveniently located near parks, schools, walking paths, shopping, and dining. Don't miss this fantastic opportunity! New roof coming soon.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
57
BikeBikeable

Schools

5/10
Horizon Middle SchoolGrades 5-80.2 mi
7/10
Moorhead High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2006

Materials

  • Roof: Architectural Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Finished

Bathroom

  • Level: Upper

Bathroom

  • Level: Upper

Bathroom

  • Level: Lower

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Lower

Bedrooms & Bathrooms

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

Deck

  • Level: Upper

Dining Room

  • Level: Upper

Family Room

  • Level: Lower

Features

  • Finished area below ground: 1,027
  • Finished area above ground: 1,027

Heating & Cooling

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

Interior Area

  • Total structure area: 2,054
  • Total interior livable area: 2,054 sqft

Kitchen

  • Level: Upper

Laundry

  • Level: Lower

Living Room

  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 583370110
  • Zoning description: Residential-Single Family
  • Foundation area: 1027

Features

  • Levels: Multi/Split
  • Patio & porch: Deck
  • Fencing: Partial

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 65 x 137

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Floor Drain,Garage,Garage Door Opener,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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 $1,797$21,564
Home Insurance *$183$2,196
Property Taxes $328$3,936
Electricity $173$2,078
Total$2,481$29,772
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,062/yr
40% on housing$74,430/yr
45% on housing$66,160/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)

No zestimate history available

Price History

DateEventPrice
2026-08-15Pending sale$348,500
2026-08-06Price change$348,500
2026-07-27Price change$355,500
2026-07-14Price change$359,500
2026-06-20Listed for sale$367,500
2024-12-20Sold$349,000
2024-11-04Pending sale$349,000
2024-10-29Listed for sale$349,000

For Sale by Agent

AgentAlyson Brenna
BrokeragePark Co., REALTORS®

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