312 12th St S, Moorhead, MN 56560 Property Records

Clay County property record for 312 12th St S, Moorhead, MN 56560

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.17 acres (7,550 sqft)
Owner	Company Name on Record
Last Sale	$175,000 (Oct 2020)
Tax Bill	$4,496 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.847.1090`

Property Details

APN / Parcel Number

Primary APN	`58.847.1090`

Exterior

Architectural Style	Multi-Family
Lot Area	7,550 sqft (0.17 acres)

Location & Zoning

Street Address	312 12TH ST S
City	MOORHEAD
State	MN
Zip	56560-2927
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SUBDIVISIONNAME WHITES 1ST ADD LOT 009 BLOCK 012 SUBDIVISIONCD 58847 S 50' OF 9-12 & N 25' OF 13-16 BLK 12
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	WHITES 1ST ADD
Legal Block	12
Legal Lot Number	9
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2061
Census Tract	20300

Owner

Source: Clay County records, as of April 14, 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	4831 2ND ST SW, MOORHEAD, MN 56560-6760
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Oct 6, 2020	Affidavit of Death, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Jun 12, 2018	Loan Modification, Mortgage BELL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Deed Document Number	2020806730
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Oct 6, 2020
Property Address	312 12TH ST S, MOORHEAD, MN 56560-2927
Document Number	0000806730
Instrument Date	Oct 5, 2020
Instrument	806730
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
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	4831 2ND ST SW, MOORHEAD, MN 56560-6760

Mortgage

Document Number	0000806731
Date	Oct 6, 2020
Instrument	806731

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CLAY MN
Recording Date	Oct 6, 2020
Property Address	312 12TH ST S, MOORHEAD, MN 56560-2927
Document Number	0000806727
Instrument Date	Oct 5, 2020
Instrument	806727
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 12TH ST S MOORHEAD MN 565602927, MOORHEAD, MN 56560-2927

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY MN
Property Address	312 12TH ST S, MOORHEAD, MN 56560-2927
Document Number	0000781025
Instrument Date	Jun 12, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000781025
Date	Jun 26, 2018
Instrument	781025

Lender

Name	BELL BK
Address	FARGO, ND

Agreement

Term	84 Months
Due	Jun 25, 2025

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 12, 2025

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	$4,496.00 (+38.68%)
2025		$200,900 (+8.3%) Land $49,500 Building $151,400	$200,900 (+8.3%) Land $49,500 Building $151,400
2023	$3,242.00	$185,500 Land $46,200 Building $139,300	$185,500 Land $46,200 Building $139,300

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	17 (1979–2011)
Claims Outside the SFHA	12 of 17
Most Recent Claim	Apr 2011 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2011 · 7 claims Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 3 claims Severe Flooding, High Winds,severe Storms, Apr 1997 · 4 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	Not rated no burnable land within 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 419 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 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Otter Tail Telecom.

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