411 13th St S, Moorhead, MN 56560 Property Records

Clay County property record for 411 13th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$209,500 (Feb 2023)
Tax Bill	$3,312 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.297.0450`

Property Details

APN / Parcel Number

Primary APN	`58.297.0450`

Exterior

Lot Area	7,499 sqft (0.17 acres)

Location & Zoning

Street Address	411 13TH ST S
City	MOORHEAD
State	MN
Zip	56560-2936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME HIGHLAND ADD NO 2 SUBDIVISIONCD 58297 LOTS 31 & 32 26
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	HIGHLAND ADD NO 2
Legal Block	26
Legal Lot Number	31
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1014
Census Tract	20300

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	411 13TH ST S, MOORHEAD, MN 56560-2936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Feb 7, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2023 · Amount on Record
Deed Sale	Feb 6, 2023 · Amount on Record
Prior Sale	Sep 15, 2009 · Amount on Record
Deed Document Number	20231510593
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Feb 7, 2023
Property Address	411 13TH ST S, MOORHEAD, MN 56560-2936
Document Number	0000835920
Instrument Date	Feb 6, 2023
Instrument	835920
Transaction Type	Transfer
Record Updated	Feb 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$691.35
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	411 13TH ST S, MOORHEAD, MN 56560-2936

Mortgage

Document Number	0000835921
Date	Feb 7, 2023
Instrument	835921

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	Feb 7, 2023
Property Address	411 13TH ST S, MOORHEAD, MN 56560-2936
Document Number	0000835919
Instrument Date	Feb 6, 2023
Instrument	835919
Transaction Type	Transfer
Record Updated	Feb 22, 2023

Transaction

Amount	Amount Recorded
Tax	$1.65
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 13TH ST S, MOORHEAD, MN 56560-2936

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	411 13TH ST S, MOORHEAD, MN 56560-2936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000769250
Date	Jun 6, 2017
Instrument	769250

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 20, 2022

Interest

Rate Type	Fixed Rate

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	$3,312.00 (+9.31%) Homeowner's exemption	$212,500 (+2.81%) Land $36,300 Building $176,200	$212,500 (+2.81%) Land $36,300 Building $176,200
2025		$206,700 (+3.04%) Land $38,300 Building $168,400	$206,700 (+3.04%) Land $38,300 Building $168,400
2023	$3,030.00 Homeowner's exemption	$200,600 Land $35,700 Building $164,900	$200,600 Land $35,700 Building $164,900

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	55 (1978–2019)
Claims Outside the SFHA	20 of 55
Most Recent Claim	Apr 2019 · Severe Winter Storm, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2011 · 11 claims Flooding, Mar 2010 · 5 claims Severe Flooding, High Winds,severe Storms, Apr 1997 · 18 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	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 419 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 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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

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