Clay County property record for 1118 4th Ave S, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.17 acres (7,525 sqft) |
| Owner | Individual Name on File |
| Last Sale | $227,000 (Jul 2022) |
| Tax Bill | $3,816 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage Jan 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 58.847.1280 |
| Primary APN | 58.847.1280 |
|---|
| Lot Area | 7,525 sqft (0.17 acres) |
|---|
| Street Address | 1118 4TH AVE S |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-2915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME WHITES 1ST ADD LOT 019 BLOCK 013 SUBDIVISIONCD 58847 LOTS 19-20 BLK 13 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 08 |
| Legal Subdivision | WHITES 1ST ADD |
| Legal Block | 13 |
| Legal Lot Number | 19 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 20300 |
Source: Clay County records · APN 58.847.1280
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 1118 4TH AVE S, MOORHEAD, MN 56560-2915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2023 | Deed of Trust, Mortgage HUD |
| Jan 05, 2023 | Deed of Trust, Mortgage HUD |
| Jul 15, 2022 | Warranty Deed, Transfer · FHA Mortgage WESTERN STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 14, 2022 · Amount on Record |
| Deed Sale | Jul 14, 2022 · Amount on Record |
| Prior Sale | Dec 08, 2017 · Amount on Record |
| Deed Document Number | 20221439944 |
| Prior Transfer Date | Sep 02, 2020 |
| Prior Transfer Doc | 0000805544 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 1118 4TH AVE S, MOORHEAD, MN 56560-2915 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000841106 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 841106 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 348 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 1118 4TH AVE S, MOORHEAD, MN 56560-2915 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000835199 |
|---|---|
| Date | Jan 05, 2023 |
| Instrument | 835199 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Jul 15, 2022 |
| Property Address | 1118 4TH AVE S, MOORHEAD, MN 56560-2915 |
| Document Number | 0000830350 |
| Instrument Date | Jul 14, 2022 |
| Instrument | 830350 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $749.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1118 4TH AVE S, MOORHEAD, MN 56560-2915 |
| Document Number | 0000830351 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 830351 |
| Name | WESTERN STATE BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0000830352 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 830352 |
| Name | WESTERN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 01, 2032 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated August 12, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Clay County |
| Municipality | Moorhead City |
| Unified School District | Moorhead Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,816.00 (+20.08%) | ||
| 2025 | $217,100 (+9.65%) Land $38,300 Building $178,800 | $217,100 (+9.65%) Land $38,300 Building $178,800 | |
| 2023 | $3,178.00 | $198,000 Land $35,700 Building $162,300 | $198,000 Land $35,700 Building $162,300 |
Source: FEMA National Flood Hazard Layer as of October 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 3 in force |
| Nearby Flood Claims | 17 (1979–2011) |
| Claims Outside the SFHA | 12 of 17 |
| Most Recent Claim | Apr 2011 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable · Fixed Wireless in parts of the area | 2,000 / 1,000 |
| Cable One Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Consolidated Communications, Park Region Mutual Telephone Company.
Based on FCC filings for 419 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Moorhead serves 44,583 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 9 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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