1802 3rd St S, Moorhead, MN 56560 Property Records

Clay County property record for 1802 3rd St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,244 sqft)
Owner	Individual Name on File
Last Sale	$203,333 (Apr 2020)
Tax Bill	$4,426 (2026)
Deeds & Mortgages	Nov 2017 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.436.0020`

Property Details

APN / Parcel Number

Primary APN	`58.436.0020`

Exterior

Lot Area	11,244 sqft (0.26 acres)

Location & Zoning

Street Address	1802 3RD ST S
City	MOORHEAD
State	MN
Zip	56560-4118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME MARCHANDS 2ND ADD SUBDIVISIONCD 58436 W 35' OF LOT 2 & ALL 3
Legal Range	48
Legal Township	139
Legal Section	17
Legal Subdivision	MARCHANDS 2ND ADD
Legal Lot Number	3
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4025
Census Tract	20500

Owner

1802 3rd St S is owned and occupied by an individual who bought it in April 2020.

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	Individual Name on File
Mailing Address	1802 3RD ST S, MOORHEAD, MN 56560-4118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY FCU
Apr 13, 2020	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2020 · Amount on File
Deed Sale	Apr 13, 2020 · Amount on File
Prior Sale	Feb 25, 2010 · Amount on File
Deed Document Number	2020799746
Prior Transfer Date	Jul 17, 2007
Prior Transfer Doc	0000644729
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1802 3RD ST S, MOORHEAD, MN 56560-4118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000774882
Date	Nov 16, 2017
Instrument	774882

Lender

Name	AFFINITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 5, 2027

Interest

Rate Type	Fixed Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Apr 13, 2020
Property Address	1802 3RD ST S, MOORHEAD, MN 56560-4118
Document Number	0000799746
Instrument Date	Apr 7, 2020
Instrument	799746
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$671.00
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	1802 3RD ST S, MOORHEAD, MN 56560-4118

Mortgage

Document Number	0000799747
Date	Apr 13, 2020
Instrument	799747

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1802 3rd St S was $4,426 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	$4,426.00 Homeowner's exemption	$233,600 (-1.06%) Land $48,100 Building $185,500	$233,600 (-1.06%) Land $48,100 Building $185,500
2025		$236,100 Land $56,100 Building $180,000	$236,100 Land $56,100 Building $180,000
2023	$3,114.00 Homeowner's exemption	$222,100 Land $56,100 Building $166,000	$222,100 Land $56,100 Building $166,000

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

Flood

FEMA maps place 1802 3rd 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	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 1802 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 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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