Clay County property record for 1315 2nd Ave S, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.18 acres (7,628 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Sep 2021) |
| Tax Bill | $2,670 (2026) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 58.847.0800 |
| Primary APN | 58.847.0800 |
|---|
| Lot Area | 7,628 sqft (0.18 acres) |
|---|
| Street Address | 1315 2ND AVE S |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-2941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME WHITES 1ST ADD LOT 012 BLOCK 010 SUBDIVISIONCD 58847 W 18" OF N 70' OF LOT 12 & ALL LOTS 13-14 BLK 10 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 08 |
| Legal Subdivision | WHITES 1ST ADD |
| Legal Block | 10 |
| Legal Lot Number | 12 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 20300 |
Source: Clay County records · APN 58.847.0800
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 | 1315 2ND AVE S, MOORHEAD, MN 56560-2941 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2021 | Warranty Deed, Transfer · FHA Mortgage WESTERN STATE BANK |
| Apr 07, 2020 | Warranty Deed, Transfer · FHA Mortgage VALLEY MORTGAGE |
| Aug 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage WESTERN STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 17, 2021 · Amount on Record |
| Deed Sale | Sep 17, 2021 · Amount on Record |
| Prior Sale | Apr 07, 2020 · Amount on Record |
| Deed Document Number | 2021820798 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Sep 17, 2021 |
| Property Address | 1315 2ND AVE S, MOORHEAD, MN 56560-2941 |
| Document Number | 0000820798 |
| Instrument Date | Sep 03, 2021 |
| Instrument | 820798 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2021 |
| Title Company | FM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $561.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1315 2ND AVE S, MOORHEAD, MN 56560-2941 |
| Document Number | 0000820799 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 820799 |
| Name | WESTERN STATE BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Apr 07, 2020 |
| Property Address | 1315 2ND AVE S, MOORHEAD, MN 56560-2941 |
| Document Number | 0000799583 |
| Instrument Date | Apr 03, 2020 |
| Instrument | 799583 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $519.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1315 2ND AVE S, MOORHEAD, MN 56560-2941 |
| Document Number | 0000799584 |
|---|---|
| Date | Apr 07, 2020 |
| Instrument | 799584 |
| Name | VALLEY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Aug 13, 2018 |
| Property Address | 1315 2ND AVE S, MOORHEAD, MN 56560-2941 |
| Document Number | 0000782558 |
| Instrument Date | Aug 03, 2018 |
| Instrument | 782558 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.45 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1315 2ND AVE S, MOORHEAD, MN 56560-2941 |
| Document Number | 0000782560 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | 782560 |
| Name | WESTERN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2048 |
| 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 | $2,670.00 (+21.36%) | ||
| 2025 | $181,900 (+12.49%) Land $38,300 Building $143,600 | $181,900 (+12.49%) Land $38,300 Building $143,600 | |
| 2023 | $2,200.00 Homeowner's exemption | $161,700 Land $35,700 Building $126,000 | $161,700 Land $35,700 Building $126,000 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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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