4010 10th St S, Moorhead, MN 56560 Property Records

Clay County property record for 4010 10th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.22 acres (9,638 sqft)
Owner	2 Individual Names on File
Last Sale	$412,000 (Sep 2025)
Tax Bill	$5,666 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`58.608.0490`

Property Details

APN / Parcel Number

Primary APN	`58.608.0490`

Exterior

Lot Area	9,638 sqft (0.22 acres)

Location & Zoning

Street Address	4010 10TH ST S
City	MOORHEAD
State	MN
Zip	56560-7446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME PRAIRIE SKIES LOT 003 BLOCK 003 SUBDIVISIONCD 58608
Legal Range	48
Legal Township	139
Legal Section	29
Legal Subdivision	PRAIRIE SKIES
Legal Block	3
Legal Lot Number	3
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2000
Census Tract	30110

Owner

4010 10th St S is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4010 10TH ST S, MOORHEAD, MN 56560-7446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 8, 2025	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNATIONAL BANK
Jul 7, 2022	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Mar 2, 2018	Deed, Transfer · Conventional Mortgage FIRST INTERNATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on File
Deed Sale	Sep 8, 2025 · Amount on File
Prior Sale	Mar 2, 2018 · Amount on File
Deed Document Number	2025858121
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Sep 8, 2025
Property Address	4010 10TH ST S, MOORHEAD, MN 56560-7446
Document Number	0000858121
Instrument Date	Sep 4, 2025
Instrument	858121
Transaction Type	Transfer
Record Updated	Oct 1, 2025
Title Company	UNKNOWN, KP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,359.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 10TH ST S, MOORHEAD, MN 56560-7446

Mortgage

Document Number	0000858122
Date	Sep 8, 2025
Instrument	858122

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2035

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	4010 10TH ST S, MOORHEAD, MN 56560-7446
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000813215
Date	Mar 16, 2021
Instrument	813215

Lender

Name	FIRST INTERNATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jul 7, 2022
Property Address	4010 10TH ST S, MOORHEAD, MN 56560-7446
Document Number	0000830047
Instrument Date	Jul 1, 2022
Instrument	830047
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,303.50
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	4010 10TH ST S, MOORHEAD, MN 56560-7446

Mortgage

Document Number	0000830048
Date	Jul 7, 2022
Instrument	830048

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4%

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY MN
Recording Date	Mar 2, 2018
Property Address	4010 10TH ST S, MOORHEAD, MN 56560-7446
Document Number	0000777617
Instrument Date	Feb 28, 2018
Instrument	777617
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$956.67
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	4010 10TH ST S, MOORHEAD, MN 56560-7446

Mortgage

Document Number	0000777618
Date	Mar 2, 2018
Instrument	777618

Lender

Name	FIRST INTERNATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4010 10th St S was $5,666 with a homeowner's exemption, up 12.8% from the year before.

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	$5,666.00 (+12.78%) Homeowner's exemption	$359,600 (+2.3%) Land $43,700 Building $315,900	$359,600 (+2.3%) Land $43,700 Building $315,900
2025	$5,024.00 Homeowner's exemption	$351,500 Land $49,400 Building $302,100	$351,500 Land $49,400 Building $302,100
2023	$4,704.00 Homeowner's exemption	$318,800 Land $49,400 Building $269,400	$318,800 Land $49,400 Building $269,400

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

Flood

FEMA maps place 4010 10th St S in Zone X, an area of moderate flood risk.

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	4 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

The area around 4010 10th St S has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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