Clay County property record for 1915 4th St S, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.88 acres (38,483 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Mar 2019) |
| Tax Bill | $6,314 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 58.861.0030 |
| Primary APN | 58.861.0030 |
|---|
| Lot Area | 38,483 sqft (0.88 acres) |
|---|
| Street Address | 1915 4TH ST S |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-4128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME WILDERS REARRANGE LOT 004 BLOCK 001 SUBDIVISIONCD 58861 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 17 |
| Legal Subdivision | WILDERS REARRANGE |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 20500 |
Source: Clay County records · APN 58.861.0030
Assessment roll updated August 12, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 1915 4TH ST S, MOORHEAD, MN 56560-4128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Mar 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Aug 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 25, 2019 · Amount on Record |
| Deed Sale | Mar 25, 2019 · Amount on Record |
| Prior Sale | Aug 20, 2018 · Amount on Record |
| Deed Document Number | 2019788032 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 1915 4TH ST S, MOORHEAD, MN 56560-4128 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000813837 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 813837 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Mar 25, 2019 |
| Property Address | 1915 4TH ST S, MOORHEAD, MN 56560-4128 |
| Document Number | 0000788032 |
| Instrument Date | Mar 18, 2019 |
| Instrument | 788032 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | TITLE CO OF FARGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,006.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1915 4TH ST S, MOORHEAD, MN 56560-4128 |
| Document Number | 0000788033 |
|---|---|
| Date | Mar 25, 2019 |
| Instrument | 788033 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Aug 20, 2018 |
| Property Address | 1915 4TH ST S, MOORHEAD, MN 56560-4128 |
| Document Number | 0000782762 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 782762 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $973.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1915 4TH ST S, MOORHEAD, MN 56560-4128 |
| Document Number | 0000782763 |
|---|---|
| Date | Aug 20, 2018 |
| Instrument | 782763 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2033 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated August 12, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Clay County |
| Municipality | Moorhead City |
| Unified School District | Moorhead Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,314.00 (+11.36%) | ||
| 2025 | $379,800 (+2.79%) Land $64,800 Building $315,000 | $379,800 (+2.79%) Land $64,800 Building $315,000 | |
| 2023 | $5,670.00 Homeowner's exemption | $369,500 Land $64,800 Building $304,700 | $369,500 Land $64,800 Building $304,700 |
Source: FEMA National Flood Hazard Layer, Clay County (27027C), updated October 26, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270270205004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 380 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable · Fixed Wireless in parts of the area | 2,000 / 350 |
| Cable One Cable | 1,000 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Park Region Mutual Telephone Company, Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | Moorhead serves 44,583 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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