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1205 3rd Ave S, Moorhead, MN, 56560

2beds
1baths
716sqft
$199,900
$279price/sqft
$1,636/moest. monthly cost
$65,440/yrincome needed

About This Home

Great investor or DIY opportunity in Moorhead! This 2-bedroom, 1-bathroom single-family property offers 616 square feet of living space on the main level. Features an unfinished basement that holds awesome potential to add a 3rd bedroom or expand your footprint. Bring your design ideas and vision to transform this cozy layout into something truly special. Prime location close to local amenities. Outstanding project for any buyer looking to build sweat equity or add a solid property to their portfolio!

Getting Around

80
WalkingVery Walkable
0
TransitVery Limited Transit
67
BikeBikeable

Schools

8/10
Probstfield ElementaryGrades K-41.5 mi
5/10
Horizon Middle SchoolGrades 5-82.1 mi
7/10
Moorhead High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1926

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Basement

  • Has basement: Yes
  • Basement: Block

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Family Room

  • Level: Main

Features

  • Finished area below ground: 100
  • Finished area above ground: 616

Heating & Cooling

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

Interior Area

  • Total structure area: 1,232
  • Total interior livable area: 716 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 588471080
  • Zoning description: Residential-Single Family
  • Foundation area: 616

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 4,490 sqft
  • Lot size dimensions: 44 x 100

Parking

  • Total spaces: 1
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WindRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
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 $1,010$12,120
Home Insurance *$183$2,196
Property Taxes $273$3,276
Electricity $170$2,050
Total$1,636$19,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,091/yr
40% on housing$49,080/yr
45% on housing$43,626/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

$279This 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
2026-07-28Listed for sale$199,900
2022-12-22Sold$159,000
2022-11-04Price change$159,000
2022-08-31Listed for sale$168,000
2018-05-08Sold$95,000
2018-02-14Sold$75,000
2007-07-05Sold$65,000

For Sale by Agent

AgentJeffrey Hagel
BrokerageJeff Hagel

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