427 13th St S, Moorhead, MN 56560 Property Records

Clay County property record for 427 13th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Apr 2026)
Tax Bill	$3,066 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.297.0420`

Property Details

APN / Parcel Number

Primary APN	`58.297.0420`

Exterior

Lot Area	7,500 sqft (0.17 acres)

Location & Zoning

Street Address	427 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 25 & 26 26
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	HIGHLAND ADD NO 2
Legal Block	26
Legal Lot Number	25
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	427 13TH ST S, MOORHEAD, MN 56560-2936
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Jul 11, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Jan 22, 2016 · Amount on Record
Deed Document Number	2026863710
Prior Transfer Date	Jan 21, 2016
Prior Transfer Doc	0000753570
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Apr 16, 2026
Property Address	427 13TH ST S, MOORHEAD, MN 56560-2936
Document Number	0000863710
Instrument Date	Apr 15, 2026
Instrument	2026863710
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,659.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	427 13TH ST S, MOORHEAD, MN 56560-2936

Mortgage

Document Number	0000863711,
Date	Apr 16, 2026
Instrument	2026863711

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jul 11, 2023
Property Address	427 13TH ST S, MOORHEAD, MN 56560-2936
Document Number	0000839049
Instrument Date	Jul 7, 2023
Instrument	839049
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	PLAINS TITLE LLC, PLAINS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$618.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 13TH ST S, MOORHEAD, MN 56560-2936

Mortgage

Document Number	0000839050
Date	Jul 11, 2023
Instrument	839050

Lender

Name	BELL BANK
Type	Bank

Agreement

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

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	$3,066.00 (+17.56%) Homeowner's exemption	$196,000 (+0.36%) Land $36,300 Building $159,700	$196,000 (+0.36%) Land $36,300 Building $159,700
2025		$195,300 (+10.46%) Land $38,300 Building $157,000	$195,300 (+10.46%) Land $38,300 Building $157,000
2023	$2,608.00	$176,800 Land $35,700 Building $141,100	$176,800 Land $35,700 Building $141,100

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
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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