1009 16th St N, Moorhead, MN 56560 Property Records

Clay County property record for 1009 16th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,904 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Mar 2018)
Tax Bill	$3,500 (2026)
Deeds & Mortgages	Nov 2017 Mortgage Jul 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.880.0030`

Property Details

APN / Parcel Number

Primary APN	`58.880.0030`

Exterior

Lot Area	6,904 sqft (0.16 acres)

Location & Zoning

Street Address	1009 16TH ST N
City	MOORHEAD
State	MN
Zip	56560-1739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME ZOWATSKIS ADD SUBDIVISIONCD 58880 LOT 2 2
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	ZOWATSKIS ADD
Legal Block	2
Legal Lot Number	2
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1010
Census Tract	30300

Owner

Source: Clay County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4520 4TH ST S, MOORHEAD, MN 56560-6744
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED SAVINGS CU
Jul 31, 2018	Loan Modification, Mortgage AMERICAN FED'L BK
Mar 16, 2018	Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2018 · Amount on Record
Deed Sale	Mar 16, 2018 · Amount on Record
Deed Document Number	2018777973
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1009 16TH ST N, MOORHEAD, MN 56560-1739
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000775015
Date	Nov 21, 2017
Instrument	775015

Lender

Name	UNITED SAVINGS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2032

Interest

Rate Type	Fixed Rate

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY MN
Property Address	1009 16TH ST N, MOORHEAD, MN 56560-1739
Document Number	0000782208
Instrument Date	Jul 31, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1009 16TH ST N MOORHEAD MN 565601739, MOORHEAD, MN 56560-1739

Mortgage

Document Number	0000782208
Date	Aug 1, 2018
Instrument	782208

Lender

Name	AMERICAN FED'L BK
Type	Bank
Address	FARGO, ND 58102

Agreement

Term	180 Months
Due	Jul 31, 2033

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY MN
Recording Date	Mar 16, 2018
Property Address	1009 16TH ST N, MOORHEAD, MN 56560-1739
Document Number	0000777973
Instrument Date	Mar 15, 2018
Instrument	777973
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 4TH ST S, MOORHEAD, MN 56560-6744

Mortgage

Document Number	0000777974
Date	Mar 16, 2018
Instrument	777974

Lender

Name	AMERICAN FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Sep 1, 2018

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Clay County
Municipality	Moorhead City
Unified School District	Moorhead Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,500.00 (+29.34%)	$203,600 (+6.49%) Land $34,200 Building $169,400	$203,600 (+6.49%) Land $34,200 Building $169,400
2025		$191,200 (+7.54%) Land $36,300 Building $154,900	$191,200 (+7.54%) Land $36,300 Building $154,900
2023	$2,706.00	$177,800 Land $36,300 Building $141,500	$177,800 Land $36,300 Building $141,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Moorhead serves 44,583 people · EPA ID MN1140008
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 488 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fixed Wireless in parts of the area	2,000 / 350
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Otter Tail Telecom, Verizon.

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