1708 3rd St S, Moorhead, MN 56560 Property Records

Clay County property record for 1708 3rd St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,246 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jan 2026)
Tax Bill	$3,654 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.235.0120`

Property Details

APN / Parcel Number

Primary APN	`58.235.0120`

Exterior

Lot Area	11,246 sqft (0.26 acres)

Location & Zoning

Street Address	1708 3RD ST S
City	MOORHEAD
State	MN
Zip	56560-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME FARGO INVESTMENT ADD SUBDIVISIONCD 58235 LOT 7 2
Legal Range	48
Legal Township	139
Legal Section	17
Legal Subdivision	FARGO INVESTMENT ADD
Legal Block	2
Legal Lot Number	7
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4024
Census Tract	20500

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	1708 3RD ST S, MOORHEAD, MN 56560-4116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage TITLE CO OF FARGO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2026 · Amount on Record
Deed Sale	Jan 28, 2026 · Amount on Record
Prior Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	2026861767
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jan 28, 2026
Property Address	1708 3RD ST S, MOORHEAD, MN 56560-4116
Document Number	0000861767
Instrument Date	Jan 27, 2026
Instrument	861767
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,023.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 3RD ST S, MOORHEAD, MN 56560-4116

Mortgage

Document Number	0000861768
Date	Jan 28, 2026
Instrument	861768

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1708 3RD ST S, MOORHEAD, MN 56560-4116
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000818676
Date	Jul 23, 2021
Instrument	818676

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Apr 11, 2017
Property Address	1708 3RD ST S, MOORHEAD, MN 56560-4116
Document Number	0000767471
Instrument Date	Apr 7, 2017
Instrument	767471
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	TITLE CO OF FARGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.35
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	1708 3RD ST S, MOORHEAD, MN 56560-4116

Mortgage

Document Number	, 767472
Date	Apr 11, 2017
Instrument	767472

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.88%

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	$3,654.00 (+10.73%) Homeowner's exemption	$278,300 (+22.71%) Land $53,700 Building $224,600	$278,300 (+22.71%) Land $53,700 Building $224,600
2025	$3,300.00 (+4.04%) Homeowner's exemption	$226,800 (+8.21%) Land $49,700 Building $177,100	$226,800 (+8.21%) Land $49,700 Building $177,100
2023	$3,172.00 Homeowner's exemption	$209,600 Land $49,700 Building $159,900	$209,600 Land $49,700 Building $159,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	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

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	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 380 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Otter Tail Telecom, Verizon.

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