4245 15th St S, Moorhead, MN 56560 Property Records

Clay County property record for 4245 15th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.22 acres (9,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Aug 2018)
Tax Bill	$7,246 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.750.1550`

Property Details

APN / Parcel Number

Primary APN	`58.750.1550`

Exterior

Lot Area	9,750 sqft (0.22 acres)

Location & Zoning

Street Address	4245 15TH ST S
City	MOORHEAD
State	MN
Zip	56560-6957
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME SOUTHFIELD ADD LOT 010 BLOCK 010 SUBDIVISIONCD 58750
Legal Range	48
Legal Township	139
Legal Section	28
Legal Subdivision	SOUTHFIELD ADD
Legal Block	10
Legal Lot Number	10
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1027
Census Tract	30110

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	4245 15TH ST S, MOORHEAD, MN 56560-6957
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage BROKERS SOLUTIONS INC
Aug 23, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2018 · Amount on Record
Deed Sale	Aug 23, 2018 · Amount on Record
Prior Sale	May 18, 2016 · Amount on Record
Deed Document Number	2018782894
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	4245 15TH ST S, MOORHEAD, MN 56560-6957
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000804146
Date	Aug 7, 2020
Instrument	804146

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	4245 15TH ST S, MOORHEAD, MN 56560-6957
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000795975
Date	Nov 27, 2019
Instrument	795975

Lender

Name	BROKERS SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Aug 23, 2018
Property Address	4245 15TH ST S, MOORHEAD, MN 56560-6957
Document Number	0000782894
Instrument Date	Aug 20, 2018
Instrument	782894
Transaction Type	Transfer
Record Updated	Sep 14, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$957.00
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	4245 15TH ST S MOORHEAD MN 565606957, MOORHEAD, MN 56560-6957

Mortgage

Document Number	782895
Date	Aug 23, 2018
Instrument	782895

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2048

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	$7,246.00 (+9.32%) Homeowner's exemption	$362,700 (+2.92%) Land $49,000 Building $313,700	$362,700 (+2.92%) Land $49,000 Building $313,700
2025		$352,400 (+7.37%) Land $51,500 Building $300,900	$352,400 (+7.37%) Land $51,500 Building $300,900
2023	$6,628.00 Homeowner's exemption	$328,200 Land $47,800 Building $280,400	$328,200 Land $47,800 Building $280,400

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.4% of Minnesota
Wildfire Likelihood	Under 0.01% 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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

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

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