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316 11th St N, Moorhead, MN, 56560

1beds
2baths
1,728sqft
$105,000
$61price/sqft
$987/moest. monthly cost
$39,480/yrincome needed

About This Home

Here's a 1910 character home sitting on a 7,400+ sq ft lot just blocks from one of the most active downtown revitalization corridors in the region. Moorhead is in the middle of a genuine transformation right now. A brand new $40 million library, community center and entrepreneurship center just opened downtown, and a nine-block mixed-use redevelopment is actively reshaping the nearby blocks with housing, retail, a cultural mall and riverfront connections. This is the kind of neighborhood where values move before most people notice. The house has been freshly cleaned and is ready to show. Newer electrical panel already done. One Bedroom and, two bathrooms, flex space, and a full footprint of 1,728 sq ft including the lower level. Large fenced backyard with a concrete slab already poured and ready for a garage. Taxes run under $1,000 a year.

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

2/10
R. Asp Elementary SchoolGrades K-41.0 mi
5/10
Horizon Middle SchoolGrades 5-82.4 mi
7/10
Moorhead High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1910

Materials

  • Foundation: Wood

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block

Bathroom

  • Level: Main

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Den

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,152

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,728
  • Total interior livable area: 1,728 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Second

Utility Room

  • Level: Basement

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 581071220
  • Zoning description: Residential-Single Family
  • Foundation area: 768

Features

  • Levels: One and One Half
  • Stories: 1

Lot

  • Lot size: 7,405 sqft
  • Lot size dimensions: 7362

Parking

  • Parking features: Gravel

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 WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Strong Wind

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 $530$6,360
Home Insurance *$183$2,196
Property Taxes $104$1,248
Electricity $170$2,050
Total$987$11,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,840/yr
40% on housing$29,610/yr
45% on housing$26,320/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

$61This listing

vs Other Active Listings

Avg $/sqft

ZIP 56560$136
Clay County$135

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
2026-05-05Listed for sale$105,000
2025-05-16Sold$50,000
2025-04-29Pending sale$70,000
2025-02-11Price change$70,000
2025-01-07Listed for sale$90,000
2014-10-22Listing removed$119,900
2014-10-10Price change$119,900
2014-09-30Price change$134,900
2014-09-16Listed for sale$149,900

For Sale by Agent

AgentBrian Kounovsky
BrokerageTrilogy Real Estate

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