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965 18th Avenue Cir N, Moorhead, MN, 56560

7beds
5baths
5,451sqft
$599,900
$110price/sqft
$4,369/moest. monthly cost
$174,760/yrincome needed

About This Home

Experience the perfect blend of luxury and functionality in this thoughtfully designed 7-bedroom, 5-bathroom home. The bright, open-concept main floor features soaring ceilings, fresh paint, a cozy gas fireplace, and massive windows. The spacious kitchen—complete with double ovens and a large pantry—flows seamlessly into dining and living areas, making it ideal for entertaining. Relax year-round in the serene sunroom, which overlooks a private backyard oasis filled with mature trees. The fully fenced backyard, elevated deck, sprinkler system, and southern exposure create an ideal outdoor setup to enjoy throughout the seasons. The property also includes a large outdoor dog kennel and is tucked away on a private street with no specials. The main-floor primary suite serves as a true sanctuary, featuring dual vanities, a soaking tub, a separate shower, and an expansive walk-in closet. Practicality meets luxury with a main-floor office, dedicated laundry room, and clever storage solutions tucked throughout. Upstairs, a versatile loft and retreat-style suite offer the perfect footprint for a second primary, along with three additional bedrooms and two full bathrooms. The finished basement is designed for gathering and recreation with a large family room plumbed for a future wet bar, extended space for workouts, hockey practice, games, or entertaining, plus putting green holes and two separate storage rooms. Additional highlights include two HVAC systems, two air conditioners, two sump pumps, and a new Marathon water heater installed last year. The oversized triple-stall garage includes plumbing for a heater, hot/cold water spigots, and extra depth for storage, workspace, or your golf cart. Conveniently located near the Moorhead Country Club with quick access to golf, swimming, dining, and more — this home is ready for its next chapter and the memories still to come.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

2/10
R. Asp Elementary SchoolGrades K-42.0 mi
5/10
Horizon Middle SchoolGrades 5-83.1 mi
7/10
Moorhead High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2012

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom

  • Level: Second

Bathroom

  • Level: Second

Bathroom

  • Level: Basement

Bedroom

  • Level: Main

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedroom5

  • Level: Upper

Bedroom6

  • Level: Basement

Bedroom6

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Basement

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,457
  • Finished area above ground: 3,508

Heating & Cooling

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

Interior Area

  • Total structure area: 5,451
  • Total interior livable area: 5,451 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Second

Office

  • Level: Main

Primary Bathroom

  • Level: Main

Recreation Room

  • Level: Basement

Sun Room

  • Level: Main

Utility Room

  • Level: Basement

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 581740120
  • Zoning description: Residential-Single Family
  • Foundation area: 1943

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Full

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 78 x 146

Parking

  • Total spaces: 3
  • Parking features: Attached,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Cold Wave
Hail
Strong Wind
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 $3,033$36,396
Home Insurance *$183$2,196
Property Taxes $694$8,328
Electricity $459$5,516
Total$4,369$52,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,794/yr
40% on housing$131,070/yr
45% on housing$116,506/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

$110This 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
2026-05-08Listed for sale$664,900
2012-03-21Sold$504,200
2011-11-15Sold$35,000

For Sale by Agent

AgentSara Worwa
BrokerageREALTY XPERTS

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