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722 42nd Ave S, Moorhead, MN, 56560

5beds
4baths
4,116sqft
$550,000
$134price/sqft
$3,985/moest. monthly cost
$159,400/yrincome needed

About This Home

MOTIVATED sellers, PRICED BELOW appraisal, so come take a look at this meticulous one owner two-story home in Moorhead sits on an oversized lot, with no backyard neighbors offering both privacy and room to enjoy. Featuring five bedrooms, four bathrooms, and an oversized three-stall garage (33.5x35.11'), this home is designed for comfort and functionality. The main level offers both a living room and a great room with fireplace, providing multiple spaces to relax or entertain. You’ll also find a bedroom, a three-quarter bathroom, and a convenient main-floor laundry room. Step outside to the maintenance-free deck, already equipped with electricity for a future hot tub. Upstairs features three bedrooms, including a generous primary suite with a private bath and a large walk-in closet. The additional bedrooms also include walk-in closets, along with a full bathroom to serve the upper level. The finished basement expands your living space with a cozy family room featuring a fireplace, a recreation room, an exercise room, an additional bedroom, and a three-quarter bathroom. Recent updates include a new air exchanger (2026), new fridge and dishwasher (2025), water heater (2024), new concrete sidewalk and under sidewalk drainage (2023), new water heater (2024), and new furnace and A/C (2022), new concrete edging (2020), New great room LVP (2020), and new garage doors (2018) offering added peace of mind. Plus, NO Specials!!!

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
66
BikeBikeable

Schools

5/10
Horizon Middle SchoolGrades 5-83.1 mi
7/10
Moorhead High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Age Over 8 Years
  • Construction materials: Concrete,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Egress Window(s),Concrete,Storage Space,Sump Pump

Bathroom

  • Level: Main

Bathroom

  • Level: Upper

Bedroom

  • Level: Main
  • Area: 144.3
  • Dimensions: 13'x11.10'

Bedroom2

  • Level: Lower
  • Area: 142.78
  • Dimensions: 12.1'x11.8'

Bedroom3

  • Level: Upper
  • Area: 200.83
  • Dimensions: 15.10' x 13.3'

Bedroom4

  • Level: Upper
  • Area: 173.16
  • Dimensions: 15.6'x11.10'

Bedroom5

  • Level: Upper
  • Area: 140.529
  • Dimensions: 13.9'x10.11'

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 2

Dining Room

  • Level: Main

Exercise Room

  • Level: Lower
  • Area: 266.7
  • Dimensions: 21' x12.7'

Family Room

  • Level: Lower
  • Area: 350.32
  • Dimensions: 23.2'x15.10'

Features

  • Number of fireplaces: 2
  • Fireplace features: Brick,Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 1,575
  • Finished area above ground: 2,541

Great Room

  • Level: Main
  • Area: 347.3
  • Dimensions: 23'x15.10'

Heating & Cooling

  • Heating features: Dual Fuel/Off Peak,Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,116
  • Total interior livable area: 4,116 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bathroom

  • Level: Upper

Recreation Room

  • Level: Lower
  • Area: 316.41
  • Dimensions: 15.9'x19.9'

Utility Room

  • Level: Lower
  • Area: 162.545
  • Dimensions: 9.5'x17.11'

Walk In Closet

  • Level: Main

Walk In Closet

  • Level: Upper
  • Area: 66.24
  • Dimensions: 9.6'x6.9'

Walk In Closet

  • Level: Upper

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 583770350
  • Zoning description: Residential-Single Family
  • Foundation area: 1575

Features

  • Levels: Modified Two Story
  • Stories: 2
  • Patio & porch: Composite Decking

Lot

  • Lot size: 0.60 Acres
  • Features: Irregular Lot
  • Lot size dimensions: 53 x 171

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Heated Garage,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

  • Inland Flooding
    Inland FloodingVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
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 $2,781$33,372
Home Insurance *$183$2,196
Property Taxes $674$8,088
Electricity $347$4,165
Total$3,985$47,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,628/yr
40% on housing$119,550/yr
45% on housing$106,266/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

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 56560$135
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
2026-04-29Price change$599,900
2026-04-24Price change$619,500
2026-04-13Listed for sale$624,500

For Sale by Agent

AgentMichelle M Thiele
BrokerageRE/MAX Legacy Realty

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