3458 10th St S, Moorhead, MN 56560 Property Records

Clay County property record for 3458 10th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.11 acres (4,927 sqft)
Owner	Individual Name on Record
Last Sale	$123,000 (Jun 2011)
Tax Bill	$3,396 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.610.0710`

Property Details

APN / Parcel Number

Primary APN	`58.610.0710`

Exterior

Lot Area	4,927 sqft (0.11 acres)

Location & Zoning

Street Address	3458 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 036 BLOCK 002 SUBDIVISIONCD 58610
Legal Range	48
Legal Township	139
Legal Section	20
Legal Subdivision	PRAIRIE SUN ADD
Legal Block	2
Legal Lot Number	36
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	3458 10TH ST S, MOORHEAD, MN 56560-6101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARM SERVICE AGENCY
Apr 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Nov 30, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2011 · Amount on Record
Deed Sale	Jun 2, 2011 · Amount on Record
Deed Document Number	2011696621
Last Transfer Date	Nov 26, 2018
Transfer Doc	0000785523
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3458 10TH ST S, MOORHEAD, MN 56560-6101
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000827998
Date	Apr 29, 2022
Instrument	827998

Lender

Name	FARM SERVICE AGENCY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Apr 28, 2062

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3458 10TH ST S, MOORHEAD, MN 56560-6101
Transaction Type	Mortgage
Record Updated	Apr 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000827311
Date	Apr 7, 2022
Instrument	827311

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 1, 2027

Interest

Rate Type	Fixed Rate

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY MN
Recording Date	Nov 30, 2018
Property Address	3458 10TH ST S, MOORHEAD, MN 56560-6101
Document Number	0000785523
Instrument Date	Nov 26, 2018
Instrument	785523
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3458 10TH ST S, MOORHEAD, MN 56560-6101

Mortgage

Document Number	0000785524
Date	Nov 30, 2018
Instrument	785524

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$3,396.00 (+9.83%)
2025		$223,400 (+20.56%) Land $26,700 Building $196,700	$223,400 (+20.56%) Land $26,700 Building $196,700
2023	$3,092.00 Homeowner's exemption	$185,300 Land $22,600 Building $162,700	$185,300 Land $22,600 Building $162,700

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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