3474 10th St S, Moorhead, MN 56560 Property Records

Clay County property record for 3474 10th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.1 acres (4,290 sqft)
Owner	Individual Name on Record
Last Sale	$164,000 (Nov 2018)
Tax Bill	$50 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`58.610.0750`

Property Details

APN / Parcel Number

Primary APN	`58.610.0750`

Exterior

Lot Area	4,290 sqft (0.1 acres)

Location & Zoning

Street Address	3474 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 SUBDIVISIONCD 58610 LOT 40 2
Legal Range	48
Legal Township	139
Legal Section	20
Legal Subdivision	PRAIRIE SUN ADD
Legal Block	2
Legal Lot Number	40
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1007
Census Tract	30108

Owner

Source: Clay County records, as of September 2, 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	3474 10TH ST S, MOORHEAD, MN 56560-6101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Jan 25, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 7, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Nov 21, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2018 · Amount on Record
Deed Sale	Nov 21, 2018 · Amount on Record
Prior Sale	Jul 9, 2014 · Amount on Record
Deed Document Number	2018785255
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Recording Date	Aug 25, 2026
Property Address	3474 10TH ST S, MOORHEAD, MN 56560-6101
Document Number	0000867663
Instrument Date	Aug 17, 2026
Instrument	2026867663
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SERVICE LINK LP, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3474 10TH ST S, MOORHEAD, MN 56560-6101

Mortgage

Document Number	0000867663,
Date	Aug 25, 2026
Instrument	2026867663

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3474 10TH ST S, MOORHEAD, MN 56560-6101
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000811445
Date	Jan 25, 2021
Instrument	811445

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3474 10TH ST S, MOORHEAD, MN 56560-6101
Document Number	0000794472
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3474 10TH ST S MOORHEAD MN 565606101, MOORHEAD, MN 56560-6101

Mortgage

Document Number	0000794472
Date	Oct 11, 2019
Instrument	794472

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Nov 21, 2018
Property Address	3474 10TH ST S, MOORHEAD, MN 56560-6101
Document Number	0000785255
Instrument Date	Nov 19, 2018
Instrument	785255
Transaction Type	Transfer
Record Updated	Dec 17, 2018
Title Company	TITLE COMPANY/FARGO, TITLE CO/FARGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$541.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3474 10TH ST S MOORHEAD MN 565606101, MOORHEAD, MN 56560-6101

Mortgage

Document Number	785256
Date	Nov 21, 2018
Instrument	785256

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2048

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	$50.00 (-93.13%) Homeowner's exemption	$221,000 (+22.78%) Land $18,700 Building $202,300	$221,000 (+22.78%) Land $18,700 Building $202,300
2023	$728.00 Homeowner's exemption	$180,000 Land $17,500 Building $162,500	$180,000 Land $17,500 Building $162,500

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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