1427 46th Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 1427 46th Ave S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.249 acres (10,868 sqft)
Owner	Individual Name on Record
Last Sale	$257,500 (May 2019)
Tax Bill	$7,526 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`58.613.0120`

Property Details

APN / Parcel Number

Primary APN	`58.613.0120`

Exterior

Lot Area	10,868 sqft (0.249 acres)

Location & Zoning

Street Address	1427 46TH AVE S
City	MOORHEAD
State	MN
Zip	56560-7095
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOCK 001 LOT 012 SUBDIVISIONCD 58613 SUBDIVISIONNAME PRAIRIE MEADOWS 3RD ADD
Legal Range	48
Legal Township	139
Legal Section	28
Legal Subdivision	PRAIRIE MEADOWS 3RD ADD
Legal Block	1
Legal Lot Number	12
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1016
Census Tract	30110

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	Individual Name on Record
Mailing Address	1427 46TH AVE S, MOORHEAD, MN 56560-7095
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Line of Credit FIRST INTERNATIONAL BANK
Aug 28, 2020	Deed of Trust, Mortgage · FHA Mortgage VALLEY MTG
May 10, 2019	Warranty Deed, Transfer · FHA Mortgage VALLEY MORTGAGE
May 15, 2017	Deed, Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Prior Sale	May 15, 2017 · Amount on Record
Deed Document Number	2019789248
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1427 46TH AVE S, MOORHEAD, MN 56560-7095
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000858555
Date	Sep 22, 2025
Instrument	858555

Lender

Name	FIRST INTERNATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2045

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1427 46TH AVE S, MOORHEAD, MN 56560-7095
Document Number	0000805358
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	FM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 46TH AVE S MOORHEAD MN 565607095, MOORHEAD, MN 56560-7095

Mortgage

Document Number	0000805358
Date	Sep 2, 2020
Instrument	805358

Lender

Name	VALLEY MTG
Type	Mortgage Company
Address	FARGO, ND 58104

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	May 10, 2019
Property Address	1427 46TH AVE S, MOORHEAD, MN 56560-7095
Document Number	0000789248
Instrument Date	May 10, 2019
Instrument	789248
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$849.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 46TH AVE S, MOORHEAD, MN 56560-7095

Mortgage

Document Number	0000789249
Date	May 10, 2019
Instrument	789249

Lender

Name	VALLEY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY MN
Recording Date	May 15, 2017
Property Address	1427 46TH AVE S, MOORHEAD, MN 56560-7095
Document Number	0000768468
Instrument Date	May 12, 2017
Instrument	768468
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$849.92
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 46TH AVE S, MOORHEAD, MN 56560-7095

Mortgage

Document Number	, 768469
Date	May 15, 2017
Instrument	768469

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$7,526.00 (+10.94%)	$340,700 (+3.34%) Land $47,200 Building $293,500	$340,700 (+3.34%) Land $47,200 Building $293,500
2025		$329,700 (+16.05%) Land $47,200 Building $282,500	$329,700 (+16.05%) Land $47,200 Building $282,500
2023	$6,784.00	$284,100 Land $43,800 Building $240,300	$284,100 Land $43,800 Building $240,300

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	2 in force

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	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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