1206 18th St N, Moorhead, MN 56560 Property Records

Clay County property record for 1206 18th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,754 sqft)
Owner	2 Individual Names on File
Last Sale	$179,900 (Oct 2008)
Tax Bill	$4,676 (2026)
Deeds & Mortgages	Jun 2026 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58.441.0210`

Property Details

APN / Parcel Number

Primary APN	`58.441.0210`

Exterior

Lot Area	7,754 sqft (0.18 acres)

Location & Zoning

Street Address	1206 18TH ST N
City	MOORHEAD
State	MN
Zip	56560-1849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME MARIES 2ND ADD SUBDIVISIONCD 58441 LOT 8 2
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	MARIES 2ND ADD
Legal Block	2
Legal Lot Number	8
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1003
Census Tract	30300

Owner

1206 18th St N is owned and occupied by two individuals who bought it in October 2008.

Source: Clay County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1206 18TH ST N, MOORHEAD, MN 56560-1849
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2008 · Amount on File
Deed Sale	Oct 30, 2008 · Amount on File
Deed Document Number	2008661787
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Recording Date	Jun 8, 2026
Property Address	1206 18TH ST N, MOORHEAD, MN 56560-1849
Document Number	0000865239
Instrument Date	Apr 30, 2026
Instrument	2026865239
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1206 18TH ST N, MOORHEAD, MN 56560-1849

Mortgage

Document Number	0000865239,
Date	Jun 8, 2026
Instrument	2026865239

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1206 18TH ST N, MOORHEAD, MN 56560-1849
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000801323
Date	May 29, 2020
Instrument	801323

Lender

Name	CARRINGTON MORTGAGE SVCS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1206 18th St N was $4,676 with a homeowner's exemption.

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	$4,676.00 Homeowner's exemption	$304,900 (+3.18%) Land $37,100 Building $267,800	$304,900 (+3.18%) Land $37,100 Building $267,800
2025		$295,500 Land $37,200 Building $258,300	$295,500 Land $37,200 Building $258,300
2023	$3,876.00 Homeowner's exemption	$267,200 Land $37,200 Building $230,000	$267,200 Land $37,200 Building $230,000

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

Flood

FEMA maps place 1206 18th St N in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1206 18th St N is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 89% 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 232 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

May also be available: Verizon.

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