1908 54th Ave N, Moorhead, MN 56560 Property Records

Clay County property record for 1908 54th Ave N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.7 acres (30,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jun 2016)
Tax Bill	$4,714 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.434.0307`

Property Details

APN / Parcel Number

Primary APN	`58.434.0307`
Alternative APN	`230620307`

Exterior

Lot Area	30,306 sqft (0.7 acres)

Location & Zoning

Street Address	1908 54TH AVE N
City	MOORHEAD
State	MN
Zip	56560-6657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 3 MCCANN'S 1ST SUB-DIV.
Legal Subdivision	MCCANNS 1ST SUB
Legal Block	3
Legal Lot Number	7
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1024
Census Tract	30106

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	2 Individual Names on Record
Mailing Address	1908 54TH AVE N, MOORHEAD, MN 56560-6657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Deed of Trust, Mortgage · Line of Credit GATE CITY BANK
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK
Aug 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2016 · Amount on Record
Deed Sale	Jun 9, 2016 · Amount on Record
Deed Document Number	2016757624
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1908 54TH AVE N, MOORHEAD, MN 56560-6657
Transaction Type	Mortgage
Record Updated	Jan 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000842927
Date	Dec 22, 2023
Instrument	842927

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	192 Months
Due	Jun 10, 2039

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1908 54TH AVE N, MOORHEAD, MN 56560-6657
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000818436
Date	Jul 16, 2021
Instrument	818436

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	1908 54TH AVE N, MOORHEAD, MN 56560-6657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000792934
Date	Aug 27, 2019
Instrument	792934

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 12, 2029

Interest

Rate Type	Adjustable 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	$4,714.00 (+13.48%) Homeowner's exemption	$287,700 (+0.14%) Land $65,600 Building $222,100	$287,700 (+0.14%) Land $65,600 Building $222,100
2025		$287,300 (+5.43%) Land $65,600 Building $221,700	$287,300 (+5.43%) Land $65,600 Building $221,700
2023	$4,154.00 Homeowner's exemption	$272,500 Land $65,000 Building $207,500	$272,500 Land $65,000 Building $207,500

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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	213 (1997–2014)
Claims Outside the SFHA	180 of 213
Most Recent Claim	May 2014 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Apr 2011 · 109 claims Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 17 claims Severe Flooding, High Winds,severe Storms, May 1997 · 76 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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	0.02% 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 134 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

May also be available: Verizon.

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