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3356 38th St S, Moorhead, MN, 56560

2beds
2baths
1,432sqft
$249,000
$174price/sqft
$1,893/moest. monthly cost
$75,720/yrincome needed

About This Home

Beautiful one-level living in a convenient Moorhead location near the public golf course! This well-maintained 2 bedroom, 2 bathroom home also features a versatile den/office space perfect for working from home, hobbies, or a guest area. Enjoy the ease of no-step living with an open and spacious layout, vaulted ceilings, and plenty of natural light throughout. The large primary suite offers a walk-in closet and private bathroom, while the living and dining areas provide great space for relaxing or entertaining. Main floor laundry and utility room add everyday convenience, and the attached 2-stall garage offers extra storage space. Step outside and enjoy easy, low-maintenance living with an HOA that takes care of lawn care and snow removal so you can spend more time doing what you enjoy. Conveniently located near walking paths, dining, shopping, and the golf course, this home combines comfort, simplicity, and location all in one!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

5/10
Horizon Middle SchoolGrades 5-81.4 mi
7/10
Moorhead High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 2002

Materials

  • Construction materials: Concrete,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Twin Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: None

Bathroom

  • Level: Main

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Den

  • Level: Main

Dining Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,432

Garage

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 1,432
  • Total interior livable area: 1,432 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Patio

  • Level: Main

Utility Room

  • Level: Main

Property

Accessibility

  • Accessibility features: Grab Bars In Bathroom,No Stairs External,No Stairs Internal

Details

  • Parcel number: 588180324
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 1432

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Partial

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 130' x 35'

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Strong Wind
Hail
Inland Flooding
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 $1,259$15,108
Home Insurance *$183$2,196
Property Taxes $281$3,372
Electricity $170$2,050
Total$1,893$22,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,902/yr
40% on housing$56,790/yr
45% on housing$50,480/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

$174This 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
2026-07-03Price change$249,000
2026-05-18Listed for sale$252,000
2009-09-15Sold$137,451

For Sale by Agent

AgentGina Folla
BrokerageTrilogy Real Estate

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