Clay County property record for 1709 4th St S, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.26 acres (11,245 sqft) |
| Owner | Individual Name on File |
| Last Sale | $172,000 (Jun 2015) |
| Tax Bill | $4,282 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 58.235.0070 |
| Primary APN | 58.235.0070 |
|---|
| Lot Area | 11,245 sqft (0.26 acres) |
|---|
| Street Address | 1709 4TH ST S |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-4124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME FARGO INVESTMENT ADD SUBDIVISIONCD 58235 LOT 2 2 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 17 |
| Legal Subdivision | FARGO INVESTMENT ADD |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 20500 |
1709 4th St S is owned and occupied by an individual who bought it in June 2015.
Source: Clay County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1709 4TH ST S, MOORHEAD, MN 56560-4124 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2015 · Amount on File |
| Deed Sale | Jun 30, 2015 · Amount on File |
| Prior Sale | Apr 23, 2007 · Amount on File |
| Deed Document Number | 2015746733 |
| Prior Transfer Date | Apr 1, 2007 |
| Prior Transfer Doc | 0000640902 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Sep 27, 2022 |
| Property Address | 1709 4TH ST S, MOORHEAD, MN 56560-4124 |
| Document Number | 0000832620 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 832620 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $858.33 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1709 4TH ST S, MOORHEAD, MN 56560-4124 |
| Document Number | 0000832621 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 832621 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 6% |
| Index | Other |
| Max Rate | 9% |
The 2026 property tax bill for 1709 4th St S was $4,282 with a homeowner's exemption.
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 | $4,282.00 Homeowner's exemption | $277,200 (+4.76%) Land $53,700 Building $223,500 | $277,200 (+4.76%) Land $53,700 Building $223,500 |
| 2025 | $264,600 Land $49,700 Building $214,900 | $264,600 Land $49,700 Building $214,900 | |
| 2023 | $3,572.00 Homeowner's exemption | $237,400 Land $49,700 Building $187,700 | $237,400 Land $49,700 Building $187,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1709 4th St S in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 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 |
|
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 risk around 1709 4th 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 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.
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 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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