1009 1st St S, Moorhead, MN 56560 Property Records

Clay County property record for 1009 1st St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.19 acres (8,385 sqft)
Owner	Individual Name on File
Last Sale	$159,900 (Aug 2017)
Tax Bill	$3,272 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.748.0180`

Property Details

APN / Parcel Number

Primary APN	`58.748.0180`

Exterior

Lot Area	8,385 sqft (0.19 acres)

Location & Zoning

Street Address	1009 1ST ST S
City	MOORHEAD
State	MN
Zip	56560-3350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME SOUTH RIVERSIDE ADD SUBDIVISIONCD 58748 S 20' OF LOT 18, ALL OF 19 & N 15' OF LOT 20 2
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	SOUTH RIVERSIDE ADD
Legal Block	2
Legal Lot Number	18
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4010
Census Tract	20500

Owner

1009 1st St S is owned and occupied by an individual who acquired it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1009 1ST ST S, MOORHEAD, MN 56560-3350
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Quit Claim Deed, Transfer · Conventional Mortgage TOWN & COUNTRY CU
Aug 15, 2017	Warranty Deed, Transfer · Conventional with PMI TOWN & CNTRY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2017 · Amount on File
Deed Sale	Aug 15, 2017 · Amount on File
Prior Sale	Dec 29, 2014 · Amount on File
Deed Document Number	2017771895
Last Transfer Date	Mar 26, 2021
Transfer Doc	0000813925
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	Mar 31, 2021
Property Address	1009 1ST ST S, MOORHEAD, MN 56560-3350
Document Number	0000813925
Instrument Date	Mar 26, 2021
Instrument	813925
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FM TITLE

Transaction

Tax	$1.65
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1009 1ST ST S, MOORHEAD, MN 56560-3350

Mortgage

Document Number	0000813926
Date	Mar 31, 2021
Instrument	813926

Lender

Name	TOWN & COUNTRY CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Aug 15, 2017
Property Address	1009 1ST ST S, MOORHEAD, MN 56560-3350
Document Number	0000771895
Instrument Date	Aug 7, 2017
Instrument	771895
Transaction Type	Transfer
Record Updated	Sep 7, 2017
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$527.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 1ST ST S MOORHEAD MN 565603350, MOORHEAD, MN 56560-3350

Mortgage

Document Number	771896
Date	Aug 15, 2017
Instrument	771896

Lender

Name	TOWN & CNTRY CU
Type	Credit Union
Address	FARGO, ND 58103

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Mortgage

Document Number	771897,
Date	Aug 15, 2017
Instrument	771897

Lender

Name	TOWN & CNTRY CU
Type	Credit Union
Address	FARGO, ND 58104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1009 1st St S was $3,272 with a homeowner's exemption.

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	$3,272.00 Homeowner's exemption	$202,900 (+4.21%) Land $43,500 Building $159,400	$202,900 (+4.21%) Land $43,500 Building $159,400
2025		$194,700 Land $42,000 Building $152,700	$194,700 Land $42,000 Building $152,700
2023	$2,850.00 Homeowner's exemption	$177,800 Land $42,000 Building $135,800	$177,800 Land $42,000 Building $135,800

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

Flood

FEMA maps place 1009 1st St S in Zone X, an area of moderate flood risk, though there have been 102 flood claims nearby since 1978.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1978–2015)
Claims Outside the SFHA	31 of 102
Most Recent Claim	Jul 2015 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2011 · 20 claims Flooding, Apr 2006 · 16 claims Severe Flooding, High Winds,severe Storms, May 1997 · 22 claims

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

The area around 1009 1st St S has no burnable land within ember reach, so its wildfire risk is not rated.

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 397 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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