1312 2nd Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 1312 2nd Ave S, Moorhead, MN 56560

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.17 acres (7,525 sqft)
Owner	Individual Name on Record
Last Sale	$177,500 (Sep 2022)
Tax Bill	$3,366 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.847.0410`

Property Details

APN / Parcel Number

Primary APN	`58.847.0410`

Exterior

Architectural Style	Multi-Family
Lot Area	7,525 sqft (0.17 acres)

Location & Zoning

Street Address	1312 2ND AVE S
City	MOORHEAD
State	MN
Zip	56560-2918
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SUBDIVISIONNAME WHITES 1ST ADD LOT 025 BLOCK 005 SUBDIVISIONCD 58847 LOTS 25-26 BLK 5
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	WHITES 1ST ADD
Legal Block	5
Legal Lot Number	25
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2042
Census Tract	20300

Owner

Source: Clay County records, as of April 14, 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	1312 2ND AVE S, MOORHEAD, MN 56560-2918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Aug 1, 2018	Warranty Deed, Transfer · Conventional Mortgage BLACKRIDGEBANK
Aug 1, 2017	Quit Claim Deed, Transfer · Commercial Mortgage CORNERSTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	20221474987
Prior Transfer Date	Jul 31, 2017
Prior Transfer Doc	0000771376
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Oct 3, 2022
Property Address	1312 2ND AVE S, MOORHEAD, MN 56560-2918
Document Number	0000832771
Instrument Date	Sep 30, 2022
Instrument	832771
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	NOT AVAILABLE, REGENCY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 2ND AVE S, MOORHEAD, MN 56560-2918

Mortgage

Document Number	0000832772
Date	Oct 3, 2022
Instrument	832772

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Aug 1, 2018
Property Address	1312 2ND AVE S, MOORHEAD, MN 56560-2918
Document Number	0000782213
Instrument Date	Aug 1, 2018
Instrument	782213
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	PLAINS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$519.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6851 SUNNYSIDE DR HORACE ND 580474800, HORACE, ND 58047-4800

Mortgage

Document Number	782214
Date	Aug 1, 2018
Instrument	782214

Lender

Name	BLACKRIDGEBANK
Type	Bank
Address	WEST FARGO, ND 58078

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2048

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	Aug 1, 2017
Property Address	1312 2ND AVE S, MOORHEAD, MN 56560-2918
Document Number	0000771376
Instrument Date	Jul 31, 2017
Instrument	771376
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FM TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2208 341/2 AVE S, FARGO, ND 58104-6584

Mortgage

Document Number	0000771377
Date	Aug 1, 2017
Instrument	771377

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 20, 2022

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 12, 2025

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	$3,366.00 (+4.34%)
2025		$161,400 (-5.61%) Land $38,300 Building $123,100	$161,400 (-5.61%) Land $38,300 Building $123,100
2023	$3,226.00	$171,000 Land $35,700 Building $135,300	$171,000 Land $35,700 Building $135,300

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 · 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	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	Severe Storms And Flooding, Apr 2011 · 7 claims Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 3 claims Severe Flooding, High Winds,severe Storms, Apr 1997 · 4 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

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

Wildfire Risk	Not rated no burnable land within 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 419 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 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Otter Tail Telecom.

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