2015 4th St S, Moorhead, MN 56560 Property Records

Clay County property record for 2015 4th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,650 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Feb 2019)
Tax Bill	$3,160 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.044.0020`

Property Details

APN / Parcel Number

Primary APN	`58.044.0020`

Exterior

Lot Area	7,650 sqft (0.18 acres)

Location & Zoning

Street Address	2015 4TH ST S
City	MOORHEAD
State	MN
Zip	56560-4130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME BERGS 1ST ADD SUBDIVISIONCD 58044 LOT 2 1
Legal Range	48
Legal Township	139
Legal Section	17
Legal Subdivision	BERGS 1ST ADD
Legal Block	1
Legal Lot Number	2
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4025
Census Tract	20500

Owner

2015 4th St S is owned and occupied by two individuals who bought it in February 2019.

Source: Clay County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2015 4TH ST S, MOORHEAD, MN 56560-4130
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY CU
Apr 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Feb 5, 2019	Warranty Deed, Transfer FM TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2019 · Amount on File
Deed Sale	Feb 5, 2019 · Amount on File
Deed Document Number	2019787051
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	2015 4TH ST S, MOORHEAD, MN 56560-4130
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000812905
Date	Mar 8, 2021
Instrument	812905

Lender

Name	TOWN & COUNTRY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	2015 4TH ST S, MOORHEAD, MN 56560-4130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000788662
Date	Apr 19, 2019
Instrument	788662

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 1, 2024

Interest

Rate Type	Fixed Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Feb 5, 2019
Property Address	2015 4TH ST S, MOORHEAD, MN 56560-4130
Document Number	0000787051
Instrument Date	Jan 30, 2019
Instrument	787051
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Tax	$544.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 4TH ST S MOORHEAD MN 565604130, MOORHEAD, MN 56560-4130

Tax Assessment & Valuation

The 2026 property tax bill for 2015 4th St S was $3,160 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	$3,160.00 Homeowner's exemption	$213,300 (-0.09%) Land $40,600 Building $172,700	$213,300 (-0.09%) Land $40,600 Building $172,700
2025		$213,500 Land $46,700 Building $166,800	$213,500 Land $46,700 Building $166,800
2023	$2,756.00 Homeowner's exemption	$201,200 Land $46,700 Building $154,500	$201,200 Land $46,700 Building $154,500

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

Flood

FEMA maps place 2015 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	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 2015 4th St S is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 82% of North Dakota
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 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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