123 7th Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 123 7th Ave S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$130,900 (Jul 2017)
Tax Bill	$3,806 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.565.0930`

Property Details

APN / Parcel Number

Primary APN	`58.565.0930`

Exterior

Lot Area	7,000 sqft (0.16 acres)

Location & Zoning

Street Address	123 7TH AVE S
City	MOORHEAD
State	MN
Zip	56560-3327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME OAKGROVE ADD SUBDIVISIONCD 58565 LOTS 1 & 2 11
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	OAKGROVE ADD
Legal Block	11
Legal Lot Number	1
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4001
Census Tract	20500

Owner

123 7th Ave S is owned and occupied by an individual who bought it in July 2017.

Source: Clay County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	123 7TH AVE S, MOORHEAD, MN 56560-3327
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
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage TOWN AND COUNTRY CREDIT UNION
Jul 13, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Jul 26, 2017	Warranty Deed, Transfer · FHA Mortgage TOWN & CNTRY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2017 · Amount on File
Deed Sale	Jul 26, 2017 · Amount on File
Prior Sale	Nov 23, 2009 · Amount on File
Deed Document Number	2017771160
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Recording Date	Sep 18, 2026
Property Address	123 7TH AVE S, MOORHEAD, MN 56560-3327
Document Number	0000868288
Instrument Date	Sep 14, 2026
Instrument	2026868288
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000868288,
Date	Sep 18, 2026
Instrument	2026868288

Lender

Name	TOWN AND COUNTRY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	73 Months
Due	Oct 1, 2032

Interest

Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	123 7TH AVE S, MOORHEAD, MN 56560-3327
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000830265
Date	Jul 13, 2022
Instrument	830265

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jul 26, 2017
Property Address	123 7TH AVE S, MOORHEAD, MN 56560-3327
Document Number	0000771160
Instrument Date	Jul 21, 2017
Instrument	771160
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	TITLE COMPANY/FARGO, TITLE CO/FARGO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$431.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 7TH AVE S MOORHEAD MN 565603327, MOORHEAD, MN 56560-3327

Mortgage

Document Number	771161
Date	Jul 26, 2017
Instrument	771161

Lender

Name	TOWN & CNTRY CU
Type	Credit Union
Address	FARGO, ND 58103

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2047

Mortgage

Document Number	771162,
Date	Jul 26, 2017
Instrument	771162

Lender

Name	TOWN & CNTRY CU
Type	Credit Union
Address	FARGO, ND 58103

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 123 7th Ave S was $3,806 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	$3,806.00 Homeowner's exemption	$189,800 (+3.77%) Land $38,000 Building $151,800	$189,800 (+3.77%) Land $38,000 Building $151,800
2025		$182,900 Land $37,500 Building $145,400	$182,900 Land $37,500 Building $145,400
2023	$2,260.00 Homeowner's exemption	$163,700 Land $35,000 Building $128,700	$163,700 Land $35,000 Building $128,700

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

Flood

FEMA maps place 123 7th Ave S in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1978–2015)
Claims Outside the SFHA	31 of 102
Most Recent Claim	Jul 2015 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2011 · 20 claims Flooding, Apr 2006 · 16 claims Severe Flooding, High Winds,severe Storms, May 1997 · 22 claims

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 123 7th Ave S 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 99.8% of the US · lower than 99.4% 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.

Nearby Properties on 7th Ave S

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