1320 2nd Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 1320 2nd Ave S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,525 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,300 (Jun 2019)
Tax Bill	$2,908 (2026)
Deeds & Mortgages	Oct 2019 Line of Credit Jun 2019 Sale
Flood Zone	Zone X (moderate risk)
APN	`58.847.0430`

Property Details

APN / Parcel Number

Primary APN	`58.847.0430`

Exterior

Lot Area	7,525 sqft (0.17 acres)

Location & Zoning

Street Address	1320 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 SUBDIVISIONCD 58847 LOTS 30 & 31 5
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	WHITES 1ST ADD
Legal Block	5
Legal Lot Number	30
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2042
Census Tract	20300

Owner

Source: Clay County records, as of August 25, 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 Record
Mailing Address	1320 2ND AVE S, MOORHEAD, MN 56560-2942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2019	Deed of Trust, Mortgage · Line of Credit STATE BK/LAKE PK
Jun 20, 2019	Warranty Deed, Transfer TITLE COMPANY/FARGO, TITLE CO/FARGO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2019 · Amount on Record
Deed Sale	Jun 20, 2019 · Amount on Record
Prior Sale	Aug 25, 2009 · Amount on Record
Deed Document Number	2019790606
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1320 2ND AVE S, MOORHEAD, MN 56560-2942
Document Number	0000794542
Instrument Date	Oct 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1320 2ND AVE S MOORHEAD MN 565602942, MOORHEAD, MN 56560-2942

Mortgage

Document Number	0000794542
Date	Oct 14, 2019
Instrument	794542

Lender

Name	STATE BK/LAKE PK
Type	Bank
Address	2049 2ND ST, LAKE PARK, MN 56554

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Oct 13, 2026

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jun 20, 2019
Property Address	1320 2ND AVE S, MOORHEAD, MN 56560-2942
Document Number	0000790606
Instrument Date	Jun 17, 2019
Instrument	790606
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	TITLE COMPANY/FARGO, TITLE CO/FARGO

Transaction

Amount	Amount Recorded
Tax	$429.99
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1320 2ND AVE S MOORHEAD MN 565602942, MOORHEAD, MN 56560-2942

Tax Assessment & Valuation

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	$2,908.00 (+19.28%) Homeowner's exemption	$162,300 (+1.76%) Land $36,300 Building $126,000	$162,300 (+1.76%) Land $36,300 Building $126,000
2025		$159,500 (+18.59%) Land $38,300 Building $121,200	$159,500 (+18.59%) Land $38,300 Building $121,200
2023	$2,438.00 Homeowner's exemption	$134,500 Land $35,700 Building $98,800	$134,500 Land $35,700 Building $98,800

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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