Clay County property record for 1415 3rd St S, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.24 acres (10,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $137,500 (Oct 2014) |
| Tax Bill | $3,950 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 58.715.0030 |
| Primary APN | 58.715.0030 |
|---|
| Lot Area | 10,500 sqft (0.24 acres) |
|---|
| Street Address | 1415 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 7 TO 9 1 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 17 |
| Legal Subdivision | SCHRAMM & OVERBOE ADD |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 20500 |
Source: Clay County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1415 3RD ST S, MOORHEAD, MN 56560-4020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2014 · Amount on Record |
| Deed Sale | Oct 16, 2014 · Amount on Record |
| Prior Sale | Oct 26, 2005 · Amount on Record |
| Deed Document Number | 2014738642 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 1415 3RD ST S, MOORHEAD, MN 56560-4020 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000808897 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 808897 |
| Name | CAPITAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2040 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Clay County |
| Municipality | Moorhead City |
| Unified School District | Moorhead Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,950.00 (+19.7%) Homeowner's exemption | $253,000 (+4.29%) Land $51,500 Building $201,500 | $253,000 (+4.29%) Land $51,500 Building $201,500 |
| 2025 | $242,600 (+12.06%) Land $48,800 Building $193,800 | $242,600 (+12.06%) Land $48,800 Building $193,800 | |
| 2023 | $3,300.00 Homeowner's exemption | $216,500 Land $48,800 Building $167,700 | $216,500 Land $48,800 Building $167,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
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 |
| 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.
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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