3672 22nd Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 3672 22nd Ave S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.42 acres (18,092 sqft)
Owner	2 Individual Names on File
Last Sale	$460,015 (Nov 2016)
Tax Bill	$8,760 (2026)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.337.0770`

Property Details

APN / Parcel Number

Primary APN	`58.337.0770`

Exterior

Lot Area	18,092 sqft (0.42 acres)

Location & Zoning

Street Address	3672 22ND AVE S
City	MOORHEAD
State	MN
Zip	56560-8142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME HORIZON SHORES 1ST ADD LOT 019 BLOCK 004 SUBDIVISIONCD 58337
Legal Range	48
Legal Township	139
Legal Section	15
Legal Subdivision	HORIZON SHORES 1ST ADD
Legal Block	4
Legal Lot Number	19
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2013
Census Tract	30111

Owner

3672 22nd Ave S is owned and occupied by two individuals who bought it in November 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	3672 22ND AVE S, MOORHEAD, MN 56560-8142
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WESTERN STATE BANK
May 22, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FARM SVC AGCY US DEPT/AGRICULT
Apr 24, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2016 · Amount on File
Deed Sale	Nov 7, 2016 · Amount on File
Prior Sale	Sep 4, 2015 · Amount on File
Deed Document Number	2016762985
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	3672 22ND AVE S, MOORHEAD, MN 56560-8142
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000813276
Date	Mar 17, 2021
Instrument	813276

Lender

Name	WESTERN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CLAY MN
Recording Date	May 22, 2018
Property Address	3672 22ND AVE S, MOORHEAD, MN 56560-8142
Instrument Date	May 10, 2018
Instrument	779881
Transaction Type	Construction Loan
Record Updated	May 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3672 22ND AVE S MOORHEAD MN 565608142, MOORHEAD, MN 56560-8142

Mortgage

Document Number	0000779881
Date	May 22, 2018
Instrument	779881

Lender

Name	FARM SVC AGCY US DEPT/AGRICULT
Address	MOORHEAD, MN 56560

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 21, 2019

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CLAY MN
Recording Date	Apr 24, 2017
Property Address	3672 22ND AVE S, MOORHEAD, MN 56560-8142
Instrument Date	Apr 19, 2017
Instrument	767819
Transaction Type	Construction Loan
Record Updated	May 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3672 22ND AVE S MOORHEAD MN 565608142, MOORHEAD, MN 56560-8142

Mortgage

Document Number	0000767819
Date	Apr 24, 2017
Instrument	767819

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MOORHEAD, MN 56560

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 23, 2018

Interest

Rate	2.87%

Tax Assessment & Valuation

The 2026 property tax bill for 3672 22nd Ave S was $8,760 with a homeowner's exemption.

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	$8,760.00 Homeowner's exemption	$540,500 (+2.7%) Land $58,300 Building $482,200	$540,500 (+2.7%) Land $58,300 Building $482,200
2025		$526,300 Land $63,500 Building $462,800	$526,300 Land $63,500 Building $462,800
2023	$7,738.00 Homeowner's exemption	$518,900 Land $63,500 Building $455,400	$518,900 Land $63,500 Building $455,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3672 22nd Ave S in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective October 26, 2025

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3672 22nd Ave S is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.4% 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 248 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fidium Fiber, Otter Tail Telecom, Verizon.

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