3543 10th St S, Moorhead, MN 56560 Property Records

Clay County property record for 3543 10th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,978 (Jul 2007)
Tax Bill	$3,480 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.610.0230`

Property Details

APN / Parcel Number

Primary APN	`58.610.0230`

Exterior

Lot Area	7,841 sqft (0.18 acres)

Location & Zoning

Street Address	3543 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 SUBDIVISIONCD 58610 LOT 23 1
Legal Range	48
Legal Township	139
Legal Section	20
Legal Subdivision	PRAIRIE SUN ADD
Legal Block	1
Legal Lot Number	23
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1004
Census Tract	30108

Owner

Source: Clay County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3543 10TH ST S, MOORHEAD, MN 56560-6137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2024	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Jan 24, 2022	Quit Claim Deed, Transfer · Balloon Mortgage NORTHWESTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2007 · Amount on Record
Deed Sale	Jul 16, 2007 · Amount on Record
Deed Document Number	2007644545
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Feb 26, 2024
Property Address	3543 10TH ST S, MOORHEAD, MN 56560-6137
Document Number	0000844080
Instrument Date	Feb 23, 2024
Instrument	844080
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	FM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3543 10TH ST S, MOORHEAD, MN 56560-6137

Mortgage

Document Number	0000844081
Date	Feb 26, 2024
Instrument	844081

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	Jan 24, 2022
Property Address	3543 10TH ST S, MOORHEAD, MN 56560-6137
Document Number	0000825309
Instrument Date	Jan 21, 2022
Instrument	825309
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	TRN ABSTRACT AND TITLE, TRN ABSTRACT & TITLE

Transaction

Tax	$1.65
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	429 BROOK AVE, MOORHEAD, MN 56560-4906

Mortgage

Document Number	0000825310
Date	Jan 24, 2022
Instrument	825310

Lender

Name	NORTHWESTERN BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

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	$3,480.00 (+20.17%) Homeowner's exemption	$234,700 (+3.21%) Land $27,600 Building $207,100	$234,700 (+3.21%) Land $27,600 Building $207,100
2025		$227,400 (+20.76%) Land $26,000 Building $201,400	$227,400 (+20.76%) Land $26,000 Building $201,400
2023	$2,896.00	$188,300 Land $22,000 Building $166,300	$188,300 Land $22,000 Building $166,300

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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