412 4th St S, Moorhead, MN 56560 Property Records

Clay County property record for 412 4th St S, Moorhead, MN 56560 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,251 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,666 (2026)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.848.0600`

Property Details

APN / Parcel Number

Primary APN	`58.848.0600`

Exterior

Lot Area	11,251 sqft (0.26 acres)

Location & Zoning

Street Address	412 4TH ST S
City	MOORHEAD
State	MN
Zip	56560-2619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME WHITES 2ND ADD LOT 010 BLOCK 007 SUBDIVISIONCD 58848 LOTS 10-12 BLK 7
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	WHITES 2ND ADD
Legal Block	7
Legal Lot Number	10
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2065
Census Tract	20300

Owner

Source: Clay County records · APN 58.848.0600

Assessment roll updated August 12, 2025 · Last verified April 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 File
Mailing Address	412 4TH ST S, MOORHEAD, MN 56560-2619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	412 4TH ST S, MOORHEAD, MN 56560-2619
Transaction Type	Mortgage
Record Updated	Aug 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000830166
Date	Jul 11, 2022
Instrument	830166

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 05, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated August 12, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,666.00 (+11.16%)
2025		$231,200 (+4%) Land $53,600 Building $177,600	$231,200 (+4%) Land $53,600 Building $177,600
2023	$3,298.00 Homeowner's exemption	$222,300 Land $53,600 Building $168,700	$222,300 Land $53,600 Building $168,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (27027C), updated October 26, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 3% of the US · above 11% of Minnesota
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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