4120 10th St S, Moorhead, MN 56560 Property Records

Clay County property record for 4120 10th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.22 acres (9,521 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Aug 2021)
Tax Bill	$5,820 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.608.0570`

Property Details

APN / Parcel Number

Primary APN	`58.608.0570`

Exterior

Lot Area	9,521 sqft (0.22 acres)

Location & Zoning

Street Address	4120 10TH ST S
City	MOORHEAD
State	MN
Zip	56560-7434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME PRAIRIE SKIES LOT 011 BLOCK 003 SUBDIVISIONCD 58608
Legal Range	48
Legal Township	139
Legal Section	29
Legal Subdivision	PRAIRIE SKIES
Legal Block	3
Legal Lot Number	11
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2000
Census Tract	30110

Owner

4120 10th St S is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4120 10TH ST S, MOORHEAD, MN 56560-7434
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
Oct 4, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY CU
Aug 6, 2021	Warranty Deed, Transfer · VA Mortgage FIRST CLASS MORTGAGE II INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2021 · Amount on File
Deed Sale	Aug 6, 2021 · Amount on File
Prior Sale	Jun 23, 2015 · Amount on File
Deed Document Number	2021819204
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	4120 10TH ST S, MOORHEAD, MN 56560-7434
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000794284
Date	Oct 4, 2019
Instrument	794284

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Aug 6, 2021
Property Address	4120 10TH ST S, MOORHEAD, MN 56560-7434
Document Number	0000819204
Instrument Date	Aug 5, 2021
Instrument	819204
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	NOT AVAILABLE, REGENCY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.50
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 with Right of Survivorship
Address	4120 10TH ST S, MOORHEAD, MN 56560-7434

Mortgage

Document Number	0000819205
Date	Aug 6, 2021
Instrument	819205

Lender

Name	FIRST CLASS MORTGAGE II INC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 4120 10th St S was $5,820 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	$5,820.00 Homeowner's exemption	$363,000 (+1.82%) Land $43,300 Building $319,700	$363,000 (+1.82%) Land $43,300 Building $319,700
2025		$356,500 Land $48,800 Building $307,700	$356,500 Land $48,800 Building $307,700
2023	$4,896.00 Homeowner's exemption	$326,400 Land $48,800 Building $277,600	$326,400 Land $48,800 Building $277,600

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

Flood

FEMA maps place 4120 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 4120 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 10th St S

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