1409 3rd St S, Moorhead, MN 56560 Property Records

Clay County property record for 1409 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
Tax Bill	$4,136 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`58.715.0020`

Property Details

APN / Parcel Number

Primary APN	`58.715.0020`

Exterior

Lot Area	10,500 sqft (0.24 acres)

Location & Zoning

Street Address	1409 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 4, 5, & 6 1
Legal Range	48
Legal Township	139
Legal Section	17
Legal Subdivision	SCHRAMM & OVERBOE ADD
Legal Block	1
Legal Lot Number	4
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4018
Census Tract	20500

Owner

1409 3rd St S is owned and occupied by an individual who acquired it in August 2005.

Source: Clay County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	1409 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
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Feb 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Aug 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 30, 2005
Transfer Doc	0000620685
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1409 3RD ST S, MOORHEAD, MN 56560-4020
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000825853
Date	Feb 10, 2022
Instrument	825853

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 1, 2032

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1409 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	0000766234
Date	Feb 27, 2017
Instrument	766234

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2032

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1409 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	0000792325
Date	Aug 9, 2019
Instrument	792325

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 15, 2024

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1409 3RD ST S, MOORHEAD, MN 56560-4020
Document Number	0000805087
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 3RD ST S MOORHEAD MN 565604020, MOORHEAD, MN 56560-4020

Mortgage

Document Number	0000805087
Date	Aug 28, 2020
Instrument	805087

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 27, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 1409 3rd St S was $4,136 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	$4,136.00 Homeowner's exemption	$256,200 (+4.36%) Land $51,500 Building $204,700	$256,200 (+4.36%) Land $51,500 Building $204,700
2025		$245,500 Land $48,800 Building $196,700	$245,500 Land $48,800 Building $196,700
2023	$3,760.00 Homeowner's exemption	$236,100 Land $48,800 Building $187,300	$236,100 Land $48,800 Building $187,300

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

Flood

FEMA maps place 1409 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 1409 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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