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23256 Rus Dic Cir, Fergus Falls, MN, 56537

5beds
3baths
2,352sqft
$389,900
$166price/sqft
$2,612/moest. monthly cost
$104,480/yrincome needed

About This Home

Positioned along 85 feet of the scenic Otter Tail River, this beautifully renovated waterfront residence offers a rare blend of refined comfort, natural beauty, and everyday tranquility. Thoughtfully updated throughout, the home welcomes you with fresh finishes, custom trim, and an inviting kitchen featuring stainless steel appliances designed for both entertaining and daily living. The true centerpiece is the stunning dining room addition, where walls of windows frame peaceful woodland views and fill the space with natural light, creating an exceptional setting for gathering with family and friends throughout every season. The finished lower level provides versatile living space ideal for a private home office, media room, guest accommodations, or additional family living area. Outside, unwind on the expansive deck overlooking the secluded backyard, where mature trees and the gentle flow of the Otter Tail River create a setting that feels worlds away from the pace of everyday life. A spacious garage and additional storage buildings provide ample room for vehicles, recreational equipment, workshop space, and all your waterfront essentials. Whether you're searching for a full-time residence or a weekend retreat, this exceptional riverfront property delivers the perfect balance of modern updates, privacy, and an elevated waterfront lifestyle in one of West Central Minnesota's most desirable natural settings.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

8/10
--
Shared Time SchoolGrades K-123.0 mi
8/10
Kennedy High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1974

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedroom4

  • Level: Lower

Bedroom5

  • Level: Lower

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 1,092
  • Finished area above ground: 1,260

Heating & Cooling

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

Interior Area

  • Total structure area: 2,520
  • Total interior livable area: 2,352 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 03000990471000
  • Zoning description: Residential-Single Family
  • Foundation area: 1260

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • On waterfront: Yes
  • Waterfront features: River Front
  • Frontage length: Water Frontage: 85

Lot

  • Lot size: 1.42 Acres
  • Features: Tree Coverage - Heavy
  • Lot size dimensions: 75 x 248

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
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Strong Wind
Tornado
Hail
Inland Flooding

FEMA Declared Disasters in Otter Tail 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 $1,971$23,652
Home Insurance *$232$2,784
Property Taxes $211$2,532
Electricity $198$2,380
Total$2,612$31,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,554/yr
40% on housing$78,360/yr
45% on housing$69,653/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 56537$142
Otter Tail County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 56537$146
Otter Tail County$152

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-10Price change$379,900
2026-07-27Listed for sale$389,900
2026-07-24Listing removed$389,900
2026-06-25Listed for sale$389,900
2024-07-15Sold$330,000
2024-06-19Pending sale$330,000
2024-05-24Listed for sale$330,000
2018-06-08Sold$214,000
2018-04-12Pending sale$214,900
2018-04-12Listed for sale$214,900

For Sale by Agent

AgentRoger Hahn
BrokerageeXp Realty

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