Clay County property record for 415 12th St S, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.17 acres (7,499 sqft) |
| Owner | Company Name on File |
| Last Sale | $210,000 (Oct 2017) |
| Tax Bill | $2,144 (2026) |
| Deeds & Mortgages | Dec 2022 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 58.297.0300 |
| Primary APN | 58.297.0300 |
|---|
| Lot Area | 7,499 sqft (0.17 acres) |
|---|
| Street Address | 415 12TH ST S |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-2928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME HIGHLAND ADD NO 2 SUBDIVISIONCD 58297 LOTS 31 & 32 25 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 08 |
| Legal Subdivision | HIGHLAND ADD NO 2 |
| Legal Block | 25 |
| Legal Lot Number | 31 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 20300 |
415 12th St S is owned by a company that bought it in October 2017.
Source: Clay County records, as of August 25, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1821 7TH ST S, MOORHEAD, MN 56560-4153 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 15, 2022 | Deed of Trust, Mortgage · Commercial Mortgage AMERICAN FEDERAL BANK |
| Oct 12, 2017 | Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2017 · Amount on File |
| Deed Sale | Oct 12, 2017 · Amount on File |
| Prior Sale | Mar 1, 2010 · Amount on File |
| Deed Document Number | 2017773824 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 415 12TH ST S, MOORHEAD, MN 56560-2928 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000834686 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 834686 |
| Name | AMERICAN FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 15, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Oct 12, 2017 |
| Property Address | 415 12TH ST S, MOORHEAD, MN 56560-2928 |
| Document Number | 0000773824 |
| Instrument Date | Oct 12, 2017 |
| Instrument | 773824 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $693.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2700 12TH AVE S, MOORHEAD, MN 56560-3958 |
| Document Number | 0000773825 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 773825 |
| Name | AMERICAN FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 5, 2032 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 415 12th St S was $2,144.
Source: Clay County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Clay County |
| Municipality | Moorhead City |
| Unified School District | Moorhead Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,144.00 | $112,600 (+1.08%) Land $36,300 Building $76,300 | $112,600 (+1.08%) Land $36,300 Building $76,300 |
| 2025 | $111,400 Land $38,300 Building $73,100 | $111,400 Land $38,300 Building $73,100 | |
| 2023 | $1,772.00 | $98,000 Land $35,700 Building $62,300 | $98,000 Land $35,700 Building $62,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 415 12th St S in Zone X, an area of moderate flood risk, though there have been 55 flood claims nearby since 1978.
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 |
| 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 |
|
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.
The area around 415 12th 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.
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 |
| 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.
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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