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506 12th St NE, Dilworth, MN, 56529

5beds
3baths
3,799sqft
$564,000
$148price/sqft
$3,946/moest. monthly cost
$157,840/yrincome needed

About This Home

Spacious 5-bedroom, 3-bath home in a desirable Dilworth location backing directly to a city park. The inviting open foyer features vaulted ceilings and leads to a functional floor plan with a main-floor office. The kitchen offers custom cabinetry, upgraded appliances, and ample workspace for everyday living and entertaining. Enjoy outdoor living on the large deck overlooking the backyard and park setting. The lower-level family room includes a gas fireplace, wet bar, and recreation area with a pool table. Convenient access from the 3-car garage to the lower-level laundry room adds everyday practicality. Generous living spaces, abundant storage, and beautiful park views make this home ideal for both everyday living and entertaining. A great opportunity to own a well-maintained home in a sought-after location.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
Horizon Middle SchoolGrades 5-82.2 mi
7/10
Moorhead High SchoolGrades 9-122.8 mi
3/10
R. Asp Elementary SchoolGrades K-43.5 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Water Heater,Microwave,Range,Refrigerator
  • Laundry features: Lower Level,Sink

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom

  • Level: Upper

Bathroom

  • Level: Upper

Bathroom

  • Level: Lower

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Upper

Family Room

  • Level: Lower

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 1,734
  • Finished area above ground: 2,065

Foyer

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 3,799
  • Total interior livable area: 3,799 sqft

Kitchen

  • Level: Upper

Living Room

  • Level: Upper

Office

  • Level: Main

Storage

  • Level: Lower

Utility Room

  • Level: Lower

Walk In Closet

  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 528550110
  • Zoning description: Residential-Single Family
  • Foundation area: 2058

Features

  • Levels: Three Level Split
  • Patio & porch: Deck
  • Waterfront features: Pond

Lot

  • Lot size: 0.29 Acres
  • Features: Property Adjoins Public Land
  • Lot size dimensions: 83 x 98.71 x 140 x 140

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener
  • 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

  • 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 $2,851$34,212
Home Insurance *$180$2,160
Property Taxes $595$7,140
Electricity $320$3,844
Total$3,946$47,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$135,291/yr
40% on housing$118,380/yr
45% on housing$105,226/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

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 56529$143
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
2026-07-24Price change$564,000
2026-06-11Listed for sale$569,000
2007-12-19Sold$2,965,000

For Sale by Agent

AgentBob McArthur
BrokerageTown & Country Realty

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