Clay County property record for 3410 28th Ave S, Moorhead, MN 56560
| Property Type | Commercial |
|---|---|
| Lot Size | 0.999 acres (43,550 sqft) |
| Owner | Company Name on File |
| Last Sale | $2,800,000 (Dec 2022) |
| Tax Bill | $30,276 (2026) |
| Deeds & Mortgages | Dec 2022 Sale Jun 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 58.354.0010 |
| Primary APN | 58.354.0010 |
|---|
| Lot Area | 43,550 sqft (0.999 acres) |
|---|
| Street Address | 3410 28TH AVE S |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-7909 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOT 001 SUBDIVISIONCD 58354 SUBDIVISIONNAME HORIZON SHORES CAR WASH ADDITION |
| Legal Subdivision | HORIZON SHORES CAR WASH ADDITION |
| Legal Lot Number | 1 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 30111 |
Source: Clay County records · APN 58.354.0010
Assessment roll updated August 12, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 15 W 6TH ST, 2400, TULSA, OK 74119-5417 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 21, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Jun 18, 2020 | Deed of Trust, Mortgage · Commercial Mortgage GATE CITY BANK |
| Mar 14, 2022 | Deed of Trust, Mortgage · Commercial Mortgage PROTECTIVE LIFE INSURANCE CO |
| Dec 14, 2021 | Limited Warranty Deed, Transfer |
| Nov 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 15, 2022 · Amount on Record |
| Deed Sale | Dec 15, 2022 · Amount on Record |
| Prior Sale | Dec 14, 2021 · Amount on Record |
| Deed Document Number | 20221498885 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Dec 21, 2022 |
| Property Address | 3410 28TH AVE S, MOORHEAD, MN 56560-7909 |
| Document Number | 0000834857 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 834857 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $9,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11995 EL CAMINO REAL, SAN DIEGO, CA 92130-2539 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 3410 28TH AVE S, MOORHEAD, MN 56560-7909 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000802145 |
|---|---|
| Date | Jun 18, 2020 |
| Instrument | 802145 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 01, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 3410 28TH AVE S, MOORHEAD, MN 56560-7909 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000826614 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 826614 |
| Name | PROTECTIVE LIFE INSURANCE CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Jan 01, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Dec 14, 2021 |
| Property Address | 3410 28TH AVE S, MOORHEAD, MN 56560-7909 |
| Document Number | 0000824005 |
| Instrument Date | Nov 22, 2021 |
| Instrument | 824005 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,960.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1400 W MARKHAM ST STE 100, 100, LITTLE ROCK, AR 72201-1846 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Nov 21, 2018 |
| Property Address | 3410 28TH AVE S, MOORHEAD, MN 56560-7909 |
| Document Number | 0000785269 |
| Instrument Date | Nov 15, 2018 |
| Instrument | 785269 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | FM TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3612 PEBBLE HILLS DR, FERGUS FALLS, MN 56537-4249 |
| Document Number | 0000785270 |
|---|---|
| Date | Nov 21, 2018 |
| Instrument | 785270 |
| Name | GATE CITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated August 12, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Clay County |
| Municipality | Moorhead City |
| Unified School District | Moorhead Public School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $30,276.00 (-1.75%) | ||
| 2025 | $1,251,800 (+2.3%) Land $435,600 Building $816,200 | $1,251,800 (+2.3%) Land $435,600 Building $816,200 | |
| 2023 | $30,814.00 | $1,223,600 Land $435,600 Building $788,000 | $1,223,600 Land $435,600 Building $788,000 |
Source: FEMA National Flood Hazard Layer as of October 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable · Fixed Wireless in parts of the area | 2,000 / 350 |
| Cable One Cable | 1,000 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Consolidated Communications, Park Region Mutual Telephone Company, Verizon.
Based on FCC filings for 248 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Moorhead serves 44,583 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 9 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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