316 11th St S, Moorhead, MN 56560 Property Records

Clay County property record for 316 11th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,575 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Dec 2018)
Tax Bill	$3,550 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.847.1220`

Property Details

APN / Parcel Number

Primary APN	`58.847.1220`

Exterior

Lot Area	7,575 sqft (0.17 acres)

Location & Zoning

Street Address	316 11TH ST S
City	MOORHEAD
State	MN
Zip	56560-2841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME WHITES 1ST ADD SUBDIVISIONCD 58847 S 50.5' OF LOTS 7 TO 12 13
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	WHITES 1ST ADD
Legal Block	13
Legal Lot Number	7
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2060
Census Tract	20300

Owner

316 11th St S is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	316 11TH ST S, MOORHEAD, MN 56560-2841
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
Sep 2, 2020	Deed of Trust, Mortgage · Conventional with PMI BELL BK
Dec 5, 2018	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2018 · Amount on File
Deed Sale	Dec 5, 2018 · Amount on File
Deed Document Number	2018785616
Prior Transfer Date	Nov 25, 2014
Prior Transfer Doc	0000740023
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	316 11TH ST S, MOORHEAD, MN 56560-2841
Document Number	0000805522
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 11TH ST S MOORHEAD MN 565602841, MOORHEAD, MN 56560-2841

Mortgage

Document Number	0000805522
Date	Sep 8, 2020
Instrument	805522

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Sep 7, 2040

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Dec 5, 2018
Property Address	316 11TH ST S, MOORHEAD, MN 56560-2841
Document Number	0000785616
Instrument Date	Nov 30, 2018
Instrument	785616
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	TITLE CO OF FARGO

Transaction

Amount	Amount on Record
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	316 11TH ST S, MOORHEAD, MN 56560-2841

Mortgage

Document Number	0000785617
Date	Dec 5, 2018
Instrument	785617

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 316 11th St S was $3,550.

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	$3,550.00	$222,300 (+5.01%) Land $36,500 Building $185,800	$222,300 (+5.01%) Land $36,500 Building $185,800
2025		$211,700 Land $38,300 Building $173,400	$211,700 Land $38,300 Building $173,400
2023	$2,974.00	$196,700 Land $35,700 Building $161,000	$196,700 Land $35,700 Building $161,000

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

Flood

FEMA maps place 316 11th St S in Zone X, an area of moderate flood risk, though there have been 17 flood claims nearby since 1979.

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

The area around 316 11th St S has no burnable land within ember reach, so its wildfire risk is not rated.

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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