3416 10th St S, Moorhead, MN 56560 Property Records

Clay County property record for 3416 10th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,133 sqft)
Owner	Individual Name on Record
Tax Bill	$3,284 (2026)
Deeds & Mortgages	May 2023 Line of Credit Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.610.0610`

Property Details

APN / Parcel Number

Primary APN	`58.610.0610`

Exterior

Lot Area	5,133 sqft (0.12 acres)

Location & Zoning

Street Address	3416 10TH ST S
City	MOORHEAD
State	MN
Zip	56560-6101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME PRAIRIE SUN ADD LOT 026 BLOCK 002 SUBDIVISIONCD 58610
Legal Range	48
Legal Township	139
Legal Section	20
Legal Subdivision	PRAIRIE SUN ADD
Legal Block	2
Legal Lot Number	26
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1007
Census Tract	30108

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	Individual Name on Record
Mailing Address	3416 10TH ST S, MOORHEAD, MN 56560-6101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Line of Credit GATE CITY BANK
Feb 22, 2022	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3416 10TH ST S, MOORHEAD, MN 56560-6101
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000837379
Date	May 1, 2023
Instrument	837379

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 14, 2033

Interest

Rate Type	Adjustable Rate

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Feb 22, 2022
Property Address	3416 10TH ST S, MOORHEAD, MN 56560-6101
Document Number	0000826103
Instrument Date	Feb 21, 2022
Instrument	826103
Transaction Type	Transfer
Record Updated	Mar 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$567.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3416 10TH ST S, MOORHEAD, MN 56560-6101

Mortgage

Document Number	0000826104
Date	Feb 22, 2022
Instrument	826104

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3416 10TH ST S, MOORHEAD, MN 56560-6101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000800947
Date	May 19, 2020
Instrument	800947

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate

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	$3,284.00 (+33.6%)
2025		$220,500 (+20.82%) Land $24,600 Building $195,900	$220,500 (+20.82%) Land $24,600 Building $195,900
2023	$2,458.00 Homeowner's exemption	$182,500 Land $20,800 Building $161,700	$182,500 Land $20,800 Building $161,700

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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