409 Caddy Ave, Moorhead, MN 56560 Property Records

Clay County property record for 409 Caddy Ave, Moorhead, MN 56560

Property Summary

Property Type	Townhouse
Lot Size	0.292 acres (12,731 sqft)
Owner	Individual Name on Record
Last Sale	$445,000 (Oct 2025)
Tax Bill	$6,682 (2026)
Deeds & Mortgages	Oct 2025 Sale May 2023 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.422.0020`

Property Details

APN / Parcel Number

Primary APN	`58.422.0020`

Exterior

Architectural Style	Townhouse
Lot Area	12,731 sqft (0.292 acres)

Location & Zoning

Street Address	409 CADDY AVE
City	MOORHEAD
State	MN
Zip	56560-1409
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	SUBDIVISIONNAME MCCANNS EST TOWNHOMES CIC 136 SUBDIVISIONCD 58422 UNIT 2
Legal Range	48
Legal Township	140
Legal Section	32
Legal Subdivision	MCCANNS EST TOWNHOMES CIC 136
Legal Lot Number	2
Legal Unit	2
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1042
Census Tract	30106

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	409 CADDY AVE, MOORHEAD, MN 56560-1409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Warranty Deed, Transfer
May 12, 2023	Deed of Trust, Mortgage · Line of Credit BELL BANK
Jan 21, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Jul 29, 2009 · Amount on Record
Deed Document Number	2025859436
Prior Transfer Date	Dec 30, 2015
Prior Transfer Doc	0000753001
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Oct 24, 2025
Property Address	409 CADDY AVE, MOORHEAD, MN 56560-1409
Document Number	0000859436
Instrument Date	Oct 20, 2025
Instrument	859436
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Amount	Amount Recorded
Tax	$1,468.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 CADDY AVE, MOORHEAD, MN 56560-1409

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	409 CADDY AVE, MOORHEAD, MN 56560-1409
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000837649
Date	May 12, 2023
Instrument	837649

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 25, 2033

Interest

Rate Type	Adjustable Rate

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jan 21, 2022
Property Address	409 CADDY AVE, MOORHEAD, MN 56560-1409
Document Number	0000825283
Instrument Date	Jan 21, 2022
Instrument	825283
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Tax	$1,287.00
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	409 CADDY AVE, MOORHEAD, MN 56560-1409

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	$6,682.00 (+10.89%) Homeowner's exemption	$416,500 (+1.81%) Land $26,200 Building $390,300	$416,500 (+1.81%) Land $26,200 Building $390,300
2025	$6,026.00 (+3.54%) Homeowner's exemption	$409,100 (+5.06%) Land $37,500 Building $371,600	$409,100 (+5.06%) Land $37,500 Building $371,600
2023	$5,820.00 Homeowner's exemption	$389,400 Land $37,500 Building $351,900	$389,400 Land $37,500 Building $351,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	213 (1997–2014)
Claims Outside the SFHA	180 of 213
Most Recent Claim	May 2014 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Apr 2011 · 109 claims Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 17 claims Severe Flooding, High Winds,severe Storms, May 1997 · 76 claims

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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.03% 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 166 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
Verizon Fixed Wireless	300 / 20

May also be available: Fidium Fiber.

Nearby Properties on Caddy Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures