2103 5th Ave N, Moorhead, MN 56560 Property Records

Clay County property record for 2103 5th Ave N, Moorhead, MN 56560

Property Summary

Property Type	Commercial
Lot Size	1.02 acres (44,625 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Apr 2025)
Tax Bill	$5,936 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.307.0130`

Property Details

APN / Parcel Number

Primary APN	`58.307.0130`

Exterior

Lot Area	44,625 sqft (1.02 acres)

Location & Zoning

Street Address	2103 5TH AVE N
City	MOORHEAD
State	MN
Zip	56560-2403
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SUBDIVISIONNAME HILLS ADD SUBDIVISIONCD 58307 W 105' OF LOTS 1 THRU 6, & ALL OF LOTS 17 THRU 22 7 & A 30' STRIP N OF & ADJ. S
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	HILLS ADD
Legal Block	7
Legal Lot Number	1
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	3
Census Block	3002
Census Tract	30300

Owner

2103 5th Ave N, a commercial property, is owned by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1903 4TH ST S, MOORHEAD, MN 56560-4128
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
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEST CENTRAL INITIATIVE
Nov 4, 2020	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
May 13, 2020	Warranty Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2025 · Amount on File
Deed Sale	Apr 15, 2025 · Amount on File
Prior Sale	Nov 4, 2020 · Amount on File
Deed Document Number	2025853932
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	2103 5TH AVE N, MOORHEAD, MN 56560-2403
Document Number	0000809828
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2103 5TH AVE N MOORHEAD MN 565602403, MOORHEAD, MN 56560-2403

Mortgage

Document Number	0000809828
Date	Dec 14, 2020
Instrument	809828

Lender

Name	WEST CENTRAL INITIATIVE
Address	PO BOX 318, FERGUS FALLS, MN 56538-0318

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 13, 2025

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Nov 4, 2020
Property Address	2103 5TH AVE N, MOORHEAD, MN 56560-2403
Document Number	0000808219
Instrument Date	Nov 3, 2020
Instrument	808219
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
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	73 MEADOW AVE, FARGO, ND 58106

Mortgage

Document Number	0000808220
Date	Nov 4, 2020
Instrument	808220

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	May 13, 2020
Property Address	2103 5TH AVE N, MOORHEAD, MN 56560-2403
Document Number	0000800715
Instrument Date	May 1, 2020
Instrument	800715
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Tax	$917.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	344 STAUNTON RD EDWARDSVILLE IL 62025, EDWARDSVILLE, IL 62025
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 2103 5th Ave N was $5,936.

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	$5,936.00	$347,500 (+5.46%) Land $111,600 Building $235,900	$347,500 (+5.46%) Land $111,600 Building $235,900
2025		$329,500 Land $111,600 Building $217,900	$329,500 Land $111,600 Building $217,900
2023	$5,732.00	$316,500 Land $111,600 Building $204,900	$316,500 Land $111,600 Building $204,900

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

Flood

FEMA maps place 2103 5th Ave N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 26, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2103 5th Ave N 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 99.8% of the US · lower than 99.4% 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 131 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Otter Tail Telecom, Verizon.

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