1403 3rd St S, Moorhead, MN 56560 Property Records

Clay County property record for 1403 3rd St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.24 acres (10,500 sqft)
Owner	Individual Name on File
Last Sale	$323,500 (Sep 2026)
Tax Bill	$3,774 (2026)
Deeds & Mortgages	Sep 2026 Sale Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`58.715.0010`

Property Details

APN / Parcel Number

Primary APN	`58.715.0010`

Exterior

Lot Area	10,500 sqft (0.24 acres)

Location & Zoning

Street Address	1403 3RD ST S
City	MOORHEAD
State	MN
Zip	56560-4020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME SCHRAMM & OVERBOE ADD SUBDIVISIONCD 58715 LOTS 1, 2, & 3 1
Legal Range	48
Legal Township	139
Legal Section	17
Legal Subdivision	SCHRAMM & OVERBOE ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4018
Census Tract	20500

Owner

1403 3rd St S is owned and occupied by an individual who bought it in September 2026.

Source: Clay County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	1403 3RD ST S, MOORHEAD, MN 56560-4020
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
Sep 11, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage VALLEY PREMIER BANK
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG & EQUITY CONSULT
Jun 28, 2017	Warranty Deed, Transfer TITLE COMPANY/FARGO, TITLE CO/FARGO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Jun 28, 2017 · Amount on File
Deed Document Number	2026868107
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Sep 11, 2026
Property Address	1403 3RD ST S, MOORHEAD, MN 56560-4020
Document Number	0000868107
Instrument Date	Sep 10, 2026
Instrument	2026868107
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$107,822.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1403 3RD ST S, MOORHEAD, MN 56560-4020

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1403 3RD ST S, MOORHEAD, MN 56560-4020
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000818235
Date	Jul 12, 2021
Instrument	818235

Lender

Name	VALLEY PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 2, 2026

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1403 3RD ST S, MOORHEAD, MN 56560-4020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000801302
Date	May 28, 2020
Instrument	801302

Lender

Name	AMERICAN MTG & EQUITY CONSULT
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jun 28, 2017
Property Address	1403 3RD ST S, MOORHEAD, MN 56560-4020
Document Number	0000770192
Instrument Date	Jun 27, 2017
Instrument	770192
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	TITLE COMPANY/FARGO, TITLE CO/FARGO

Transaction

Amount	Amount on Record
Tax	$577.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1403 3RD ST S MOORHEAD MN 565604020, MOORHEAD, MN 56560-4020

Tax Assessment & Valuation

The 2026 property tax bill for 1403 3rd St S was $3,774 with a homeowner's exemption.

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	$3,774.00 Homeowner's exemption	$251,700 (+4.53%) Land $51,500 Building $200,200	$251,700 (+4.53%) Land $51,500 Building $200,200
2025		$240,800 Land $48,800 Building $192,000	$240,800 Land $48,800 Building $192,000
2023	$3,062.00 Homeowner's exemption	$211,400 Land $48,800 Building $162,600	$211,400 Land $48,800 Building $162,600

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

Flood

FEMA maps place 1403 3rd St S in Zone X, an area of moderate flood risk, though there have been 102 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1978–2015)
Claims Outside the SFHA	31 of 102
Most Recent Claim	Jul 2015 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2011 · 20 claims Flooding, Apr 2006 · 16 claims Severe Flooding, High Winds,severe Storms, May 1997 · 22 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

Wildfire risk around 1403 3rd St S 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 397 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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