3535 10th St S, Moorhead, MN 56560 Property Records

Clay County property record for 3535 10th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,279 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Aug 2020)
Tax Bill	$3,992 (2026)
Deeds & Mortgages	Nov 2017 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.610.0210`

Property Details

APN / Parcel Number

Primary APN	`58.610.0210`

Exterior

Lot Area	5,279 sqft (0.12 acres)

Location & Zoning

Street Address	3535 10TH ST S
City	MOORHEAD
State	MN
Zip	56560-6137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME PRAIRIE SUN ADD LOT 021 BLOCK 001 SUBDIVISIONCD 58610
Legal Range	48
Legal Township	139
Legal Section	20
Legal Subdivision	PRAIRIE SUN ADD
Legal Block	1
Legal Lot Number	21
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1004
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	3535 10TH ST S, MOORHEAD, MN 56560-6137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE BANK
Aug 4, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	Jul 28, 2015 · Amount on Record
Deed Document Number	2020804022
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3535 10TH ST S, MOORHEAD, MN 56560-6137
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000775111
Date	Nov 27, 2017
Instrument	775111

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 20, 2022

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Aug 4, 2020
Property Address	3535 10TH ST S, MOORHEAD, MN 56560-6137
Document Number	0000804022
Instrument Date	Aug 3, 2020
Instrument	804022
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.40
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	3535 10TH ST S, MOORHEAD, MN 56560-6137

Mortgage

Document Number	0000804023
Date	Aug 4, 2020
Instrument	804023

Lender

Name	FIRST COMMUNITY CU

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	$3,992.00 (+18.88%)
2025		$222,900 (+21.01%) Land $22,700 Building $200,200	$222,900 (+21.01%) Land $22,700 Building $200,200
2023	$3,358.00	$184,200 Land $19,200 Building $165,000	$184,200 Land $19,200 Building $165,000

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	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber in parts of the area	2,000 / 350
Sparklight Cable	1,000 / 50

May also be available: CenturyLink, Otter Tail Telecom, Verizon.

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