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1120 4th Ave S, Moorhead, MN, 56560

5beds
3baths
1,821sqft
$229,900
$126price/sqft
$1,796/moest. monthly cost
$71,840/yrincome needed

About This Home

Character, space, and versatility come together in this charming 5-bedroom, 3-bath two-story home! Original hardwood floors, a welcoming front porch with swing, and abundant living space create a warm and inviting atmosphere. The oversized kitchen offers ample cabinetry and counter space and opens to the dining area featuring a bay window. Recent updates include new carpet on the upper level and fresh paint in select areas. The lower level provides excellent flexibility with a separate kitchenette, bedroom, and bathroom—ideal for guests, multi-generational living, or potential rental opportunities. Additional features include a heated and finished double garage, and plenty of storage throughout. Conveniently located near schools, parks, shopping, Concordia College, and MSUM. A unique opportunity to own a character-filled home with room to grow! See attachment for long list of improvements.

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
69
BikeBikeable

Schools

8/10
Probstfield ElementaryGrades K-41.5 mi
5/10
Horizon Middle SchoolGrades 5-82.1 mi
7/10
Moorhead High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1906

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Basement: Egress Window(s),Storage Space,Sump Pump

Bathroom

  • Level: Main

Bathroom

  • Level: Upper

Bathroom

  • Level: Basement

Bedroom

  • Level: Main

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 2

Dining Room

  • Level: Main

Features

  • Finished area below ground: 400
  • Finished area above ground: 1,421

Heating & Cooling

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

Interior Area

  • Total structure area: 2,074
  • Total interior livable area: 1,821 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Basement

Living Room

  • Level: Main

Other

  • Level: Basement

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 588471290
  • Zoning description: Residential-Single Family
  • Foundation area: 653

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch

Lot

  • Lot size: 7,405 sqft
  • Lot size dimensions: 50 x 150

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $1,162$13,944
Home Insurance *$183$2,196
Property Taxes $281$3,372
Electricity $170$2,050
Total$1,796$21,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,577/yr
40% on housing$53,880/yr
45% on housing$47,893/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

$126This 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
2026-08-06Price change$215,000
2026-07-28Price change$229,900
2026-07-20Price change$237,000
2026-07-08Price change$245,000
2026-06-26Price change$254,900
2026-06-18Listed for sale$264,900
2022-05-06Sold$205,000
2022-03-18Listed for sale$200,000
2017-12-01Sold$158,500
2017-09-12Listed for sale$163,500
2015-03-02Sold$146,000
2015-02-02Listed for sale$149,900
2013-03-19Sold$100,000
2012-08-28Listed for sale$109,900

For Sale by Agent

AgentJackie L Beedy
BrokerageRE/MAX Legacy Realty

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