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1015 46th Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 1015 46th Ave S, Moorhead, MN 56560 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Lot Size0.296 acres (12,906 sqft)
Owner2 Individual Names on File
Last Sale$415,000 (Nov 2025)
Tax Bill$8,122 (2026)
Deeds & MortgagesNov 2025 Sale & Mortgage
Jun 2020 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN58.768.1080

Property Details

APN / Parcel Number

Primary APN58.768.1080

Exterior

Lot Area12,906 sqft (0.296 acres)

Location & Zoning

Street Address1015 46TH AVE S
CityMOORHEAD
StateMN
Zip56560-7087
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLOCK 007 LOT 005 SUBDIVISIONCD 58768 SUBDIVISIONNAME STONEMILL ESTATES 2ND ADDITION
Legal SubdivisionSTONEMILL ESTATES 2ND ADDITION
Legal Block7
Legal Lot Number5
JurisdictionCLAY MN
Township / Civil DivisionMOORHEAD
Census Block Group2
Census Block2012
Census Tract30110

Owner

Source: Clay County records · APN 58.768.1080

Assessment roll updated August 12, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address1015 46TH AVE S, MOORHEAD, MN 56560-7087
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Nov 17, 2025Warranty Deed, Transfer · Conventional Mortgage
GATE CITY BANK
Jun 03, 2020Warranty Deed, Transfer · VA Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 17, 2025 · Amount on Record
Deed SaleNov 17, 2025 · Amount on Record
Prior SaleDec 13, 2024 · Amount on Record
Deed Document Number2025860050
Record UpdatedJun 08, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY MN
Recording DateNov 17, 2025
Property Address1015 46TH AVE S, MOORHEAD, MN 56560-7087
Document Number0000860050
Instrument DateNov 13, 2025
Instrument860050
Transaction TypeTransfer
Record UpdatedDec 10, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,369.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address1015 46TH AVE S, MOORHEAD, MN 56560-7087

Mortgage

Document Number0000860051
DateNov 17, 2025
Instrument860051
Lender
NameGATE CITY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2055

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY MN
Recording DateJun 03, 2020
Property Address1015 46TH AVE S, MOORHEAD, MN 56560-7087
Document Number0000801535
Instrument DateJun 01, 2020
Instrument801535
Transaction TypeTransfer
Record UpdatedJul 01, 2020
Title CompanyFM TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$941.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1015 46TH AVE S MOORHEAD MN 565607087, MOORHEAD, MN 56560-7087

Mortgage

Document Number801536
DateJun 03, 2020
Instrument801536
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 02, 2050

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated August 12, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyClay County
MunicipalityMoorhead City
Unified School DistrictMoorhead Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$8,122.00 (+6.56%)
2025$7,622.00 (+6.01%) Homeowner's exemption$360,300 (+11.89%) Land $47,000 Building $313,300$360,300 (+11.89%) Land $47,000 Building $313,300
2023$7,190.00 Homeowner's exemption$322,000 Land $43,600 Building $278,400$322,000 Land $43,600 Building $278,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (27027C), updated October 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270270301102, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 339 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Midcontinent CommunicationsCable2,000 / 350
Cable OneCable1,000 / 50
AT&TFixed Wireless100 / 20

May also be available at this address: Lumen Technologies, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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