1316 2nd Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 1316 2nd Ave S, Moorhead, MN 56560 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,288 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,508 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`58.847.0420`

Property Details

APN / Parcel Number

Primary APN	`58.847.0420`

Exterior

Lot Area	11,288 sqft (0.26 acres)

Location & Zoning

Street Address	1316 2ND AVE S
City	MOORHEAD
State	MN
Zip	56560-2942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME WHITES 1ST ADD LOT 027 BLOCK 005 SUBDIVISIONCD 58847 LOTS 27-29 BLK 5
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	WHITES 1ST ADD
Legal Block	5
Legal Lot Number	27
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2042
Census Tract	20300

Owner

Source: Clay County records · APN 58.847.0420

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	2 Individual Names on File
Mailing Address	1316 2ND AVE S, MOORHEAD, MN 56560-2942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1316 2ND AVE S, MOORHEAD, MN 56560-2942
Transaction Type	Mortgage
Record Updated	Jan 03, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000842931
Date	Dec 22, 2023
Instrument	842931

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 15, 2028

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated August 12, 2025 · Last verified April 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

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	$2,508.00 (+18.3%)
2025		$176,600 (+9.55%) Land $57,400 Building $119,200	$176,600 (+9.55%) Land $57,400 Building $119,200
2023	$2,120.00 Homeowner's exemption	$161,200 Land $53,600 Building $107,600	$161,200 Land $53,600 Building $107,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (27027C), updated October 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270270203002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
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, river or lake flooding, Severe Storms And Flooding
Claims By Storm	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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 419 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	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 at this address: Midcontinent Communications, Consolidated Communications, Park Region Mutual Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.