3324 10th St S, Moorhead, MN 56560 Property Records

Clay County property record for 3324 10th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,334 sqft)
Owner	Individual Name on Record
Last Sale	$229,900 (Jul 2025)
Tax Bill	$3,442 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.610.0410`

Property Details

APN / Parcel Number

Primary APN	`58.610.0410`

Exterior

Lot Area	5,334 sqft (0.12 acres)

Location & Zoning

Street Address	3324 10TH ST S
City	MOORHEAD
State	MN
Zip	56560-6105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME PRAIRIE SUN ADD SUBDIVISIONCD 58610 LOT 6 2
Legal Range	48
Legal Township	139
Legal Section	20
Legal Subdivision	PRAIRIE SUN ADD
Legal Block	2
Legal Lot Number	6
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1007
Census Tract	30108

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	Individual Name on Record
Mailing Address	3324 10TH ST S, MOORHEAD, MN 56560-6105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK
Nov 18, 2019	Warranty Deed, Transfer · Conventional Mortgage VALLEY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2025 · Amount on Record
Deed Sale	Jul 10, 2025 · Amount on Record
Prior Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	2025856360
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3324 10TH ST S, MOORHEAD, MN 56560-6105
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	FM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000826119
Date	Feb 22, 2022
Instrument	826119

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	5%
Index	Other

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Nov 18, 2019
Property Address	3324 10TH ST S, MOORHEAD, MN 56560-6105
Document Number	0000795627
Instrument Date	Oct 15, 2019
Instrument	795627
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	REGENCY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554.40
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	3324 10TH ST S, MOORHEAD, MN 56560-6105

Mortgage

Document Number	0000795628
Date	Nov 18, 2019
Instrument	795628

Lender

Name	VALLEY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

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	$3,442.00 (+30.38%) Homeowner's exemption	$223,400 (+0.4%) Land $21,300 Building $202,100	$223,400 (+0.4%) Land $21,300 Building $202,100
2025		$222,500 (+20.86%) Land $26,000 Building $196,500	$222,500 (+20.86%) Land $26,000 Building $196,500
2023	$2,640.00 Homeowner's exemption	$184,100 Land $22,000 Building $162,100	$184,100 Land $22,000 Building $162,100

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	1 in force

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 444 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

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

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