Clay County property record for 433 Brook Ave, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.22 acres (9,514 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,240 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Jan 2023 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 58.102.0390 |
| Primary APN | 58.102.0390 |
|---|
| Lot Area | 9,514 sqft (0.22 acres) |
|---|
| Street Address | 433 BROOK AVE |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-4906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME BROOKDALE SOUTH ADD SUBDIVISIONCD 58102 E 9.10' OF LOT 17 & W 66' OF LOT 18 2 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 20 |
| Legal Subdivision | BROOKDALE SOUTH ADD |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 20500 |
433 Brook Ave is owned and occupied by an individual who acquired it in March 2017.
Source: Clay County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 433 BROOK AVE, MOORHEAD, MN 56560-4906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT INC |
| Jan 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED TRUST BANK |
| Feb 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Mar 3, 2017 | Quit Claim Deed, Transfer TITLE COMPANY/FARGO, TITLE CO/FARGO |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 2, 2017 |
| Transfer Doc | 0000766375 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 433 BROOK AVE, MOORHEAD, MN 56560-4906 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000860567 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 860567 |
| Name | LOAN DEPOT INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2020 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 433 BROOK AVE, MOORHEAD, MN 56560-4906 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000835118 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 835118 |
| Name | UNITED TRUST BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2053 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 433 BROOK AVE, MOORHEAD, MN 56560-4906 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000826168 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 826168 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 5, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 433 BROOK AVE, MOORHEAD, MN 56560-4906 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000811400 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 811400 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Mar 3, 2017 |
| Property Address | 433 BROOK AVE, MOORHEAD, MN 56560-4906 |
| Document Number | 0000766375 |
| Instrument Date | Mar 2, 2017 |
| Instrument | 766375 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2017 |
| Title Company | TITLE COMPANY/FARGO, TITLE CO/FARGO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 BROOK AVE MOORHEAD MN 565604906, MOORHEAD, MN 56560-4906 |
The 2026 property tax bill for 433 Brook Ave was $3,240 with a homeowner's exemption.
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 | $3,240.00 Homeowner's exemption | $207,000 (+3.29%) Land $43,300 Building $163,700 | $207,000 (+3.29%) Land $43,300 Building $163,700 |
| 2025 | $200,400 Land $43,600 Building $156,800 | $200,400 Land $43,600 Building $156,800 | |
| 2023 | $2,880.00 Homeowner's exemption | $188,100 Land $43,600 Building $144,500 | $188,100 Land $43,600 Building $144,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 433 Brook Ave in Zone X, an area of moderate flood risk, though there have been 5 flood claims nearby since 1997.
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 |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 5 (1997–2009) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Apr 2009 · Severe Storms 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.
Wildfire risk around 433 Brook Ave is low, with less than a 0.01% annual chance of 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.
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 130 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 |
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