1317 2nd Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 1317 2nd Ave S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,420 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Apr 2016)
Tax Bill	$4,762 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.847.0790`

Property Details

APN / Parcel Number

Primary APN	`58.847.0790`

Exterior

Lot Area	7,420 sqft (0.17 acres)

Location & Zoning

Street Address	1317 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 011 BLOCK 010 SUBDIVISIONCD 58847 LOTS 11 & 12 EXPT W 18" OF N 70' OF LOT 12 BLK 10
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	WHITES 1ST ADD
Legal Block	10
Legal Lot Number	11
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2043
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	1317 2ND AVE S, MOORHEAD, MN 56560-2941
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage MAGNIFI FINANCIAL CU
Sep 20, 2021	Quit Claim Deed, Transfer · Conventional Mortgage BELL BANK
Dec 18, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL MN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2016 · Amount on Record
Deed Sale	Apr 26, 2016 · Amount on Record
Prior Sale	May 13, 2009 · Amount on Record
Deed Document Number	2016756057
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1317 2ND AVE S, MOORHEAD, MN 56560-2941
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000829476
Date	Jun 20, 2022
Instrument	829476

Lender

Name	MAGNIFI FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2042

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	Sep 20, 2021
Property Address	1317 2ND AVE S, MOORHEAD, MN 56560-2941
Document Number	0000820884
Instrument Date	Sep 15, 2021
Instrument	820884
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Tax	$1.65
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1317 2ND AVE S, MOORHEAD, MN 56560-2941

Mortgage

Document Number	0000820885
Date	Sep 20, 2021
Instrument	820885

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1317 2ND AVE S, MOORHEAD, MN 56560-2941
Document Number	0000776036
Instrument Date	Dec 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1317 2ND AVE S MOORHEAD MN 565602941, MOORHEAD, MN 56560-2941

Mortgage

Document Number	0000776036
Date	Dec 27, 2017
Instrument	776036

Lender

Name	CENTRAL MN CU
Address	SAINT JOSEPH, MN 56374

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 26, 2037

Interest

Rate Type	Adjustable 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	$4,762.00 (+24.4%)
2025		$281,600 (+12.69%) Land $38,300 Building $243,300	$281,600 (+12.69%) Land $38,300 Building $243,300
2023	$3,828.00	$249,900 Land $35,700 Building $214,200	$249,900 Land $35,700 Building $214,200

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 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	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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