See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

3902 6th St S, Moorhead, MN, 56560

4beds
3baths
2,488sqft
$425,000
$171price/sqft
$3,066/moest. monthly cost
$122,640/yrincome needed

About This Home

If summer had a home, this would be it featuring this move-in ready 4-level home sitting proudly on a corner lot, where comfort meets your own private backyard retreat. From the moment you step inside, you’ll notice how well this home has been cared for—professionally cleaned and ready for you to simply unpack and enjoy. Out back is where the magic really happens. Picture long summer days spent cooling off in the above-ground pool, followed by relaxing evenings in the hot tub or unwinding in your own sauna. It’s the kind of backyard that feels like a staycation every single day. The fully fenced yard offers privacy and space to play, garden, or just soak up the sunshine. You’ll even find established raspberry bushes, perennials and a garden area ready for your green thumb. Need space for hobbies, toys, or extra storage? The detached single garage with a 2-story setup gives you flexibility, and it’s topped off with brand new shingles (July 2026). Plus, the attached 2-stall garage adds everyday convenience. This home blends function, fun, and that easy summer lifestyle—whether you're hosting friends, enjoying quiet mornings outside, or simply beating the heat in your own backyard oasis. Come see it before someone else dives in first. owners/agents

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
70
BikeVery Bikeable

Schools

5/10
Horizon Middle SchoolGrades 5-83.0 mi
7/10
Moorhead High SchoolGrades 9-122.9 mi

Construction

Condition

  • Year built: 1993

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom

  • Level: Upper

Bathroom

  • Level: Lower

Bathroom

  • Level: Basement

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Lower

Bedroom4

  • Level: Basement

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Number of fireplaces: 2
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,018
  • Finished area above ground: 1,470

Heating & Cooling

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

Interior Area

  • Total structure area: 2,738
  • Total interior livable area: 2,488 sqft

Laundry

  • Level: Basement

Living Room

  • Level: Main

Patio

  • Level: Main

Storage

  • Level: Basement

Sun Room

  • Level: Main

Utility Room

  • Level: Basement

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 584910340
  • Zoning description: Residential-Single Family
  • Foundation area: 1216

Features

  • Levels: Four or More Level Split
  • Private pool: Yes
  • Pool features: Above Ground
  • Patio & porch: Deck,Patio
  • Has spa: Yes
  • Spa features: Hot Tub
  • Fencing: Wood

Lot

  • Lot size: 0.27 Acres
  • Features: Corner Lot
  • Lot size dimensions: 11899

Parking

  • Total spaces: 2
  • Parking features: Attached,Detached Garage,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

  • 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 $2,149$25,788
Home Insurance *$183$2,196
Property Taxes $525$6,300
Electricity $209$2,518
Total$3,066$36,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,120/yr
40% on housing$91,980/yr
45% on housing$81,760/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

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 56560$135
Clay County$134

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
2026-08-11Price change$419,000
2026-07-25Listed for sale$425,000
2013-10-25Sold$275,000
2013-08-15Listed for sale$275,000

For Sale by Agent

AgentRochelle Roesler, MBA
BrokerageCentury 21 FM Realty

Similar Homes