1010 River Dr, Moorhead, MN 56560 Property Records

Clay County property record for 1010 River Dr, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (9,908 sqft)
Owner	2 Individual Names on Record
Last Sale	$296,000 (Apr 2026)
Tax Bill	$3,756 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Feb 2026 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`58.583.0030`

Property Details

APN / Parcel Number

Primary APN	`58.583.0030`

Exterior

Lot Area	9,908 sqft (0.23 acres)

Location & Zoning

Street Address	1010 RIVER DR
City	MOORHEAD
State	MN
Zip	56560-3370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME OVERBYS REARRANGE SUBDIVISIONCD 58583 LOT 4 1
Legal Range	48
Legal Township	139
Legal Section	07
Legal Subdivision	OVERBYS REARRANGE
Legal Block	1
Legal Lot Number	4
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4004
Census Tract	20500

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	2 Individual Names on Record
Mailing Address	1010 RIVER DR, MOORHEAD, MN 56560-3370
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit GATE CITY BANK
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage MAGNIFI FINANCIAL CU
Jun 21, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	Mar 8, 2016 · Amount on Record
Deed Document Number	2026863654
Prior Transfer Date	Jun 20, 2017
Prior Transfer Doc	0000769928
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Apr 14, 2026
Property Address	1010 RIVER DR, MOORHEAD, MN 56560-3370
Document Number	0000863654
Instrument Date	Apr 10, 2026
Instrument	2026863654
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98,656.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1010 RIVER DR, MOORHEAD, MN 56560-3370

Mortgage

Document Number	0000863655,
Date	Apr 14, 2026
Instrument	2026863655

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1010 RIVER DR, MOORHEAD, MN 56560-3370
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000862047
Date	Feb 9, 2026
Instrument	862047

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	72 Months
Due	Jan 1, 2031

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Mar 17, 2023
Property Address	1010 RIVER DR, MOORHEAD, MN 56560-3370
Document Number	0000836502
Instrument Date	Mar 16, 2023
Instrument	836502
Transaction Type	Transfer
Record Updated	Apr 5, 2023
Title Company	FM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1010 RIVER DR, MOORHEAD, MN 56560-3370

Mortgage

Document Number	0000836503
Date	Mar 17, 2023
Instrument	836503

Lender

Name	MAGNIFI FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	Jun 21, 2017
Property Address	1010 RIVER DR, MOORHEAD, MN 56560-3370
Document Number	0000769928
Instrument Date	Jun 20, 2017
Instrument	769928
Transaction Type	Transfer
Record Updated	Jun 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 RIVER DR MOORHEAD MN 565603370, MOORHEAD, MN 56560-3370

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	$3,756.00 (+11.99%) Homeowner's exemption	$220,600 (+3.81%) Land $49,600 Building $171,000	$220,600 (+3.81%) Land $49,600 Building $171,000
2025		$212,500 (+7.27%) Land $48,100 Building $164,400	$212,500 (+7.27%) Land $48,100 Building $164,400
2023	$3,354.00 Homeowner's exemption	$198,100 Land $48,100 Building $150,000	$198,100 Land $48,100 Building $150,000

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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