1313 12th St N, Moorhead, MN 56560 Property Records

Clay County property record for 1313 12th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.15 acres (6,720 sqft)
Owner	Individual Name on File
Last Sale	$112,500 (May 2019)
Tax Bill	$2,402 (2026)
Deeds & Mortgages	Aug 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.819.0590`

Property Details

APN / Parcel Number

Primary APN	`58.819.0590`

Exterior

Lot Area	6,720 sqft (0.15 acres)

Location & Zoning

Street Address	1313 12TH ST N
City	MOORHEAD
State	MN
Zip	56560-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME WALKERS SUB MOORES ADD SUBDIVISIONCD 58819 S 17' OF LOT 12, ALL OF 13 & N 6' OF LOT 14 4
Legal Range	48
Legal Township	139
Legal Section	05
Legal Subdivision	WALKERS SUB MOORES ADD
Legal Block	4
Legal Lot Number	12
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	3
Census Block	3003
Census Tract	20700

Owner

1313 12th St N is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1313 12TH ST N, MOORHEAD, MN 56560-1620
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
Aug 18, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
May 14, 2019	Warranty Deed, Transfer · VA Mortgage TOWN & CNTRY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2019 · Amount on File
Deed Sale	May 14, 2019 · Amount on File
Prior Sale	Jun 24, 2015 · Amount on File
Deed Document Number	2019789302
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1313 12TH ST N, MOORHEAD, MN 56560-1620
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000819637
Date	Aug 18, 2021
Instrument	819637

Lender

Name	CALIBER HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	May 14, 2019
Property Address	1313 12TH ST N, MOORHEAD, MN 56560-1620
Document Number	0000789302
Instrument Date	May 10, 2019
Instrument	789302
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$371.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 12TH ST N MOORHEAD MN 565601620, MOORHEAD, MN 56560-1620

Mortgage

Document Number	789303
Date	May 14, 2019
Instrument	789303

Lender

Name	TOWN & CNTRY CU
Type	Credit Union
Address	FARGO, ND 58104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1313 12th St N was $2,402.

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	$2,402.00	$148,300 (+6.54%) Land $33,500 Building $114,800	$148,300 (+6.54%) Land $33,500 Building $114,800
2025		$139,200 Land $28,800 Building $110,400	$139,200 Land $28,800 Building $110,400
2023	$2,036.00	$130,200 Land $28,800 Building $101,400	$130,200 Land $28,800 Building $101,400

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

Flood

FEMA maps place 1313 12th St N in Zone X, an area of moderate flood risk.

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

Wildfire risk around 1313 12th 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 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 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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