1013 16th St N, Moorhead, MN 56560 Property Records

Clay County property record for 1013 16th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (May 2012)
Tax Bill	$3,840 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`58.880.0020`

Property Details

APN / Parcel Number

Primary APN	`58.880.0020`

Exterior

Lot Area	6,904 sqft (0.16 acres)

Location & Zoning

Street Address	1013 16TH ST N
City	MOORHEAD
State	MN
Zip	56560-1739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME ZOWATSKIS ADD LOT 001 BLOCK 002 SUBDIVISIONCD 58880
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	ZOWATSKIS ADD
Legal Block	2
Legal Lot Number	1
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1010
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	2 Individual Names on Record
Mailing Address	1013 16TH ST N, MOORHEAD, MN 56560-1739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Jun 23, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage AFFINITY PLUS FCU
Dec 23, 2021	Deed of Trust, Mortgage · Balloon Mortgage AFFINITY PLUS FCU
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2012 · Amount on Record
Deed Sale	May 22, 2012 · Amount on Record
Prior Sale	May 19, 2010 · Amount on Record
Deed Document Number	2012708859
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1013 16TH ST N, MOORHEAD, MN 56560-1739
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000829600
Date	Jun 23, 2022
Instrument	829600

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 20, 2037

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1013 16TH ST N, MOORHEAD, MN 56560-1739
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000829601
Date	Jun 23, 2022
Instrument	829601

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 20, 2032

Interest

Rate Type	Fixed Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1013 16TH ST N, MOORHEAD, MN 56560-1739
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000824414
Date	Dec 23, 2021
Instrument	824414

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 20, 2031

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1013 16TH ST N, MOORHEAD, MN 56560-1739
Document Number	0000805914
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	INGEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1013 16TH ST N MOORHEAD MN 565601739, MOORHEAD, MN 56560-1739

Mortgage

Document Number	0000805914
Date	Sep 17, 2020
Instrument	805914

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 16, 2040

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	$3,840.00 (+34.27%)
2025		$233,900 (+14.15%) Land $36,300 Building $197,600	$233,900 (+14.15%) Land $36,300 Building $197,600
2023	$2,860.00 Homeowner's exemption	$204,900 Land $36,300 Building $168,600	$204,900 Land $36,300 Building $168,600

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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