431 Cedar Ln, Moorhead, MN 56560 Property Records

Clay County property record for 431 Cedar Ln, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.27 acres (11,664 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Sep 2021)
Tax Bill	$4,016 (2026)
Deeds & Mortgages	Dec 2023 Transfer Apr 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`58.531.1030`

Property Details

APN / Parcel Number

Primary APN	`58.531.1030`

Exterior

Lot Area	11,664 sqft (0.27 acres)

Location & Zoning

Street Address	431 CEDAR LN
City	MOORHEAD
State	MN
Zip	56560-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME MORNINGSIDE ADD SUBDIVISIONCD 58531 LOT 14 3
Legal Range	48
Legal Township	139
Legal Section	09
Legal Subdivision	MORNINGSIDE ADD
Legal Block	3
Legal Lot Number	14
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2023
Census Tract	30400

Owner

431 Cedar Ln is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	431 CEDAR LN, MOORHEAD, MN 56560-3228
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
Dec 18, 2023	Intrafamily Transfer, Transfer
Apr 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage MOORHEAD CITY
Sep 13, 2021	Warranty Deed, Transfer · Conventional Mortgage VALLEY MORTGAGE
Sep 25, 2020	Special Warranty Deed, Transfer · Conventional Mortgage BANK FORWARD
Dec 30, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Sep 25, 2020 · Amount on File
Deed Document Number	2021820635
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY MN
Recording Date	Dec 18, 2023
Property Address	431 CEDAR LN, MOORHEAD, MN 56560-3228
Document Number	0000842794
Instrument Date	Dec 13, 2023
Instrument	842794
Transaction Type	Transfer
Record Updated	Jan 3, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	431 CEDAR LN, MOORHEAD, MN 56560-3228

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	431 CEDAR LN, MOORHEAD, MN 56560-3228
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000778558
Date	Apr 10, 2018
Instrument	778558

Lender

Name	MOORHEAD CITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Sep 13, 2021
Property Address	431 CEDAR LN, MOORHEAD, MN 56560-3228
Document Number	0000820635
Instrument Date	Sep 10, 2021
Instrument	820635
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 CEDAR LN, MOORHEAD, MN 56560-3228

Mortgage

Document Number	0000820636
Date	Sep 13, 2021
Instrument	820636

Lender

Name	VALLEY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

September 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Sep 25, 2020
Property Address	431 CEDAR LN, MOORHEAD, MN 56560-3228
Document Number	0000806235
Instrument Date	Sep 4, 2020
Instrument	806235
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.22
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 PRAIRIEWOOD DR S, FARGO, ND 58103-4613

Mortgage

Document Number	0000806236
Date	Sep 25, 2020
Instrument	806236

Lender

Name	BANK FORWARD

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLAY MN
Recording Date	Dec 30, 2019
Property Address	431 CEDAR LN, MOORHEAD, MN 56560-3228
Document Number	0000796920
Instrument Date	Dec 30, 2019
Instrument	796920
Transaction Type	Foreclosure
Record Updated	Jan 24, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10500 KINCAID DR FISHERS IN 460379749, FISHERS, IN 46037-9749
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 431 Cedar Ln was $4,016 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	$4,016.00 Homeowner's exemption	$266,300 (+2.58%) Land $55,000 Building $211,300	$266,300 (+2.58%) Land $55,000 Building $211,300
2025		$259,600 Land $56,500 Building $203,100	$259,600 Land $56,500 Building $203,100
2023	$3,658.00 Homeowner's exemption	$249,200 Land $56,500 Building $192,700	$249,200 Land $56,500 Building $192,700

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

Flood

FEMA maps place 431 Cedar Ln in Zone X, an area of minimal 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 431 Cedar Ln 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 236 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 / 350
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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