2824 22nd Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 2824 22nd Ave S, Moorhead, MN 56560

Property Summary

Property Type	Commercial
Lot Size	0.61 acres (26,589 sqft)
Owner	Company Name on Record
Last Sale	$440,000 (Oct 2018)
Tax Bill	$8,896 (2026)
Deeds & Mortgages	Jul 2020 Loan Modification Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.508.0100`

Property Details

APN / Parcel Number

Primary APN	`58.508.0100`

Exterior

Lot Area	26,589 sqft (0.61 acres)

Location & Zoning

Street Address	2824 22ND AVE S
City	MOORHEAD
State	MN
Zip	56560-5910
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SUBDIVISIONNAME MOORHEAD IND PARK 8TH ADD SUBDIVISIONCD 58508 LOT 10 1
Legal Range	48
Legal Township	139
Legal Section	15
Legal Subdivision	MOORHEAD IND PARK 8TH ADD
Legal Block	1
Legal Lot Number	10
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	3
Census Block	3006
Census Tract	20600

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	Company Name on Record
Mailing Address	2635 20TH AVE S, MOORHEAD, MN 56560-5925
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2020	Loan Modification, Mortgage CHOICE FIN'L
Oct 9, 2018	Warranty Deed, Transfer · Commercial Mortgage CHOICE FINANCIAL GROUP
May 26, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2018 · Amount on Record
Deed Sale	Oct 9, 2018 · Amount on Record
Deed Document Number	2018784151
Prior Transfer Date	May 25, 2017
Prior Transfer Doc	0000768895
Record Updated	Oct 29, 2026

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY MN
Property Address	2824 22ND AVE S, MOORHEAD, MN 56560-5910
Document Number	0000803636
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2635 20TH AVE S MOORHEAD MN 565605925, MOORHEAD, MN 56560-5925

Mortgage

Document Number	0000803636
Date	Jul 27, 2020
Instrument	803636

Lender

Name	CHOICE FIN'L
Type	Funding / Finance Company
Address	MOORHEAD, MN 56560

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 26, 2025

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Oct 9, 2018
Property Address	2824 22ND AVE S, MOORHEAD, MN 56560-5910
Document Number	0000784151
Instrument Date	Oct 8, 2018
Instrument	784151
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,452.00
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	2635 20TH AVE S, MOORHEAD, MN 56560-5925

Mortgage

Document Number	0000784152
Date	Oct 9, 2018
Instrument	784152

Lender

Name	CHOICE FINANCIAL GROUP

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CLAY MN
Recording Date	May 26, 2017
Property Address	2824 22ND AVE S, MOORHEAD, MN 56560-5910
Document Number	0000768894
Instrument Date	May 25, 2017
Instrument	768894
Transaction Type	Transfer
Record Updated	Jun 7, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 3RD ST N #106 MOORHEAD MN 56560, 106, MOORHEAD, MN 56560

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	$8,896.00 (+8.12%)	$575,400 (+5.85%) Land $135,200 Building $440,200	$575,400 (+5.85%) Land $135,200 Building $440,200
2025		$543,600 (+8.37%) Land $135,200 Building $408,400	$543,600 (+8.37%) Land $135,200 Building $408,400
2023	$8,228.00	$501,600 Land $135,200 Building $366,400	$501,600 Land $135,200 Building $366,400

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1997–2009)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 2009 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2009 · 2 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 99.1% of the US · lower than 96% 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber, Fixed Wireless in parts of the area	2,000 / 350
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Otter Tail Telecom, T-Mobile, Verizon.

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