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$340,000

($62,744 down)
FHA

4536 12TH Street S, Moorhead, MN 56560

3
2
1,587 sqft
PITI Monthly
$1,935.99 /mo

Listing courtesy of: , REAL (1531 FGO)

Assumed Rate

2.84%
7.15%

Principal & Interest

$1,244 /mo
$2,035 /mo

What's Special

OPEN CONCEPT
DINING
SPACIOUS
STAINLESS STEEL APPLIANCES
VAULTED CEILINGS
WALK-IN CLOSET
DECK

New without high specials - This 2020 build has less than $1k remaining in special assessments!! This move-in-ready three-level split is sure to impress. On the main level, enjoy an open concept living, dining, and kitchen area with vaulted ceilings. Kitchen features a spacious island, quartz countertops, and stainless steel appliances. Upstairs, you will find the primary bedroom with a walk-in closet and an adjoining full Hollywood bathroom with double sinks. Also on the upper level is the second bedroom and laundry. In the lower level enjoy the family room, third bedroom, second full bathroom, and the utility room. The garage is heated and fully insulated/sheet-rocked! The maintenance-free deck looks out at the partially fenced, spacious yard with a shed for storage. With the yard and landscaping already completed, you can move right in and start enjoying your new home!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
2.84
Remaining Loan Term
26 years, 5 months
Monthly PITI
$1,935.99/mo
Estimated Loan Balance
$292,782
Cash to close
$62,744
Interest Paid
$29,487

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: Central Air
  • Heating: Forced Air
Features
  • Materials: Brick/Stone, Vinyl Siding
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Laminate

Exterior

Fencing
  • Fencing: Partial
Roof
  • Roof: Architectural Shingle
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: City Sewer/Connected
  • Water Source: City Water/Connected
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories:
  • Home type: Single Family Residence
  • Architectural Style: Unknown
Materials
  • Brick/Stone, Vinyl Siding
  • Roof: Architectural Shingle
Condition
  • Year Built: 2020
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Stone mill Estates
  • Features: None
HOA
  • Has HOA: No
Location
  • Region: Moorhead

Financial Details

  • Price per Sqft: $214.24
  • Tax Annual Amount: $3939
  • On Market Date: 2025-04-25T00:00:00.000Z
Inquire about this property

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Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $62,744 (18%)
You can enter any amount below - secondary financing will cover the difference if needed.
18%
$

You cover the entire equity of $62,744!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage2.84% Sellers Rate
$277,256
Your Cash$62,744
Total Purchase Price:$340,000

Assumed vs Traditional Mortgage

Assumed @ 2.84%
$1,244/mo
Traditional @ 7.15%
$2,111/mo
You save $866/month ($10,396/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6708792

Listing From: northstar

Last updated: 2025-04-28T15:42:03.000Z

© , northstar. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

2.84%
7.15%

Principal & Interest

$1,244 /mo
$2,035 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $62,744 (18%)
You can enter any amount below - secondary financing will cover the difference if needed.
18%
$

You cover the entire equity of $62,744!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage2.84% Sellers Rate
$277,256
Your Cash$62,744
Total Purchase Price:$340,000

Assumed vs Traditional Mortgage

Assumed @ 2.84%
$1,244/mo
Traditional @ 7.15%
$2,111/mo
You save $866/month ($10,396/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Exit Realty
Agent/Broker
Jeff KlemmerExit Realty(651) 600-7997assumptions@exitspringside.comMLS #40195899

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than Exit Realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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