1012 16th St N, Moorhead, MN 56560 Property Records

Clay County property record for 1012 16th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,904 sqft)
Owner	Individual Name on Record
Tax Bill	$2,428 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58.880.0010`

Property Details

APN / Parcel Number

Primary APN	`58.880.0010`

Exterior

Lot Area	6,904 sqft (0.16 acres)

Location & Zoning

Street Address	1012 16TH ST N
City	MOORHEAD
State	MN
Zip	56560-1740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME ZOWATSKIS ADD LOT 001 BLOCK 001 SUBDIVISIONCD 58880
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	ZOWATSKIS ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1009
Census Tract	30300

Owner

Source: Clay County records, as of April 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1012 16TH ST N, MOORHEAD, MN 56560-1740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Deed of Trust, Mortgage HUD
Mar 23, 2018	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1012 16TH ST N, MOORHEAD, MN 56560-1740
Transaction Type	Mortgage
Record Updated	Mar 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000836348
Date	Mar 9, 2023
Instrument	836348

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2053

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1012 16TH ST N, MOORHEAD, MN 56560-1740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000778132
Date	Mar 23, 2018
Instrument	778132

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 12, 2025

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	$2,428.00 (+30.54%)
2025		$152,400 (+8.7%) Land $36,300 Building $116,100	$152,400 (+8.7%) Land $36,300 Building $116,100
2023	$1,860.00 Homeowner's exemption	$140,200 Land $36,300 Building $103,900	$140,200 Land $36,300 Building $103,900

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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