3618 11th St S, Moorhead, MN 56560 Property Records

Clay County property record for 3618 11th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.1 acres (4,247 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Nov 2020)
Tax Bill	$3,232 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.610.1020`

Property Details

APN / Parcel Number

Primary APN	`58.610.1020`

Exterior

Lot Area	4,247 sqft (0.1 acres)

Location & Zoning

Street Address	3618 11TH ST S
City	MOORHEAD
State	MN
Zip	56560-6126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME PRAIRIE SUN ADD LOT 067 BLOCK 002 SUBDIVISIONCD 58610
Legal Range	48
Legal Township	139
Legal Section	20
Legal Subdivision	PRAIRIE SUN ADD
Legal Block	2
Legal Lot Number	67
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	3618 11TH ST S, MOORHEAD, MN 56560-6126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Also Known As (AKA)

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO
Jan 9, 2018	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Prior Sale	Jan 9, 2018 · Amount on Record
Deed Document Number	2020809080
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Nov 24, 2020
Property Address	3618 11TH ST S, MOORHEAD, MN 56560-6126
Document Number	0000809080
Instrument Date	Nov 20, 2020
Instrument	809080
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$597.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3618 11TH ST S, MOORHEAD, MN 56560-6126

Mortgage

Document Number	0000809081
Date	Nov 24, 2020
Instrument	809081

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000809082
Date	Nov 24, 2020
Instrument	809082

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY MN
Recording Date	Jan 9, 2018
Property Address	3618 11TH ST S, MOORHEAD, MN 56560-6126
Document Number	0000776407
Instrument Date	Jan 5, 2018
Instrument	776407
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.67
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	3618 11TH ST S, MOORHEAD, MN 56560-6126

Mortgage

Document Number	0000776408
Date	Jan 9, 2018
Instrument	776408

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

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	$3,232.00 (+28.46%)
2025		$213,300 (+17.85%) Land $20,700 Building $192,600	$213,300 (+17.85%) Land $20,700 Building $192,600
2023	$2,516.00	$181,000 Land $17,500 Building $163,500	$181,000 Land $17,500 Building $163,500

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	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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