1102 3rd St S, Moorhead, MN 56560 Property Records

Clay County property record for 1102 3rd St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$6,000 (Apr 2025)
Tax Bill	$2,450 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.665.0380`

Property Details

APN / Parcel Number

Primary APN	`58.665.0380`

Exterior

Lot Area	7,000 sqft (0.16 acres)

Location & Zoning

Street Address	1102 3RD ST S
City	MOORHEAD
State	MN
Zip	56560-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME RIVERSIDE ADD SUBDIVISIONCD 58665 LOTS 21 & 22 3
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	RIVERSIDE ADD
Legal Block	3
Legal Lot Number	21
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4011
Census Tract	20400

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	Individual Name on Record
Mailing Address	1102 3RD ST S, MOORHEAD, MN 56560-4016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Aug 12, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Feb 20, 2019	Warranty Deed, Transfer · FHA Mortgage DHA FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Prior Sale	Mar 31, 2023 · Amount on Record
Deed Document Number	2025854141
Prior Transfer Date	Apr 21, 2025
Prior Transfer Doc	0000854141
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Apr 3, 2023
Property Address	1102 3RD ST S, MOORHEAD, MN 56560-4016
Document Number	0000836796
Instrument Date	Mar 31, 2023
Instrument	836796
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	REGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
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	1102 3RD ST S, MOORHEAD, MN 56560-4016

Mortgage

Document Number	0000836797
Date	Apr 3, 2023
Instrument	836797

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1102 3RD ST S, MOORHEAD, MN 56560-4016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000804354
Date	Aug 12, 2020
Instrument	804354

Lender

Name	CALIBER HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Feb 20, 2019
Property Address	1102 3RD ST S, MOORHEAD, MN 56560-4016
Document Number	0000787311
Instrument Date	Feb 12, 2019
Instrument	787311
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.70
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 3RD ST S, MOORHEAD, MN 56560-4016

Mortgage

Document Number	0000787312
Date	Feb 20, 2019
Instrument	787312

Lender

Name	DHA FINANCIAL
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

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	$2,450.00 (+24.62%) Homeowner's exemption	$175,200 (+3.42%) Land $38,000 Building $137,200	$175,200 (+3.42%) Land $38,000 Building $137,200
2025		$169,400 (+15.24%) Land $37,500 Building $131,900	$169,400 (+15.24%) Land $37,500 Building $131,900
2023	$1,966.00 Homeowner's exemption	$147,000 Land $35,000 Building $112,000	$147,000 Land $35,000 Building $112,000

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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