A nanoparticle having one or more types of oligonucleotides bound thereto, at least one type of oligonucleotides having a sequence that is complementary to at least a portion of a nucleic acid target, wherein in the presence of said nucleic acid target and under hybridization conditions, the nanoparticle having oligonucleotides bound thereto form a complex with said nucleic acid target, the nanoparticle-nucleic acid target complex having a sharp melting profile and an increased melting temperature, relative to a melting profile and a melting temperature of an analogous complex formed with said nucleic acid target and an unlabeled or fluorophore-labeled oligonucleotide having a sequence identical to the oligonucleotides bound to the nanoparticics, to allow for selective discrimination of a single nucleotide insertion, deletion, or mismatch in said nucleic acid target under stringent hybridization conditions, whereby the stringency of said hybridization conditions are higher than those possible for said analogous complex.