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1411 23rd Ave S, Moorhead, MN, 56560

5beds
3baths
2,394sqft
$319,900
$134price/sqft
$2,364/moest. monthly cost
$94,560/yrincome needed

About This Home

Must see! This spacious four-level home with five true bedrooms and three bathrooms, plus a separate entrance that creates an excellent opportunity for a rental unit or multi-generational living. It's set in a beautiful, established neighborhood and features a gorgeous sunroom, perfect for morning coffee or quiet evenings. Plenty of storage throughout the home. Outside, there's a generous yard with room for play, gardening, or just relaxing. And it has a double car garage, giving you that extra storage or hobby space.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

5/10
Horizon Middle SchoolGrades 5-81.8 mi
7/10
Moorhead High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1966

Materials

  • Roof: Architectural Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Sump Pump

Bathroom

  • Level: Upper

Bathroom

  • Level: Lower

Bathroom

  • Level: Basement

Bedroom

  • Level: Upper

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Basement

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Dining Room

  • Level: Lower

Family Room

  • Level: Lower

Features

  • Finished area below ground: 1,006
  • Finished area above ground: 1,388

Heating & Cooling

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

Interior Area

  • Total structure area: 2,584
  • Total interior livable area: 2,394 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: Lower

Laundry

  • Level: Basement

Living Room

  • Level: Main

Sun Room

  • Level: Main

Utility Room

  • Level: Basement

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 588050720
  • Zoning description: Residential-Single Family
  • Foundation area: 1196

Features

  • Levels: Four or More Level Split
  • Patio & porch: Patio
  • Fencing: Partial

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: .

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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
  • 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 $1,617$19,404
Home Insurance *$183$2,196
Property Taxes $363$4,356
Electricity $201$2,422
Total$2,364$28,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,051/yr
40% on housing$70,920/yr
45% on housing$63,040/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
2026-07-31Listed for sale$319,900

For Sale by Agent

AgentKim Schlotfeldt
BrokerageKvamme Real Estate

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