Clay County property record for 438 Cedar Ln, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.21 acres (9,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $174,000 (Jun 2018) |
| Tax Bill | $4,144 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 58.531.0600 |
| Primary APN | 58.531.0600 |
|---|
| Lot Area | 9,001 sqft (0.21 acres) |
|---|
| Street Address | 438 CEDAR LN |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-3229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME MORNINGSIDE ADD SUBDIVISIONCD 58531 NW 5' OF LOT 11 & ALL 12 2 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 09 |
| Legal Subdivision | MORNINGSIDE ADD |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 30400 |
438 Cedar Ln is owned and occupied by two individuals who bought it in June 2018.
Source: Clay County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 CEDAR LN, MOORHEAD, MN 56560-3229 |
| 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.
| Date | Document |
|---|---|
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN STATE BANK |
| Jun 27, 2018 | Warranty Deed, Transfer · Conventional with PMI BLACKRIDGEBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2018 · Amount on File |
| Deed Sale | Jun 27, 2018 · Amount on File |
| Deed Document Number | 2018781051 |
| Prior Transfer Date | Jun 18, 2018 |
| Prior Transfer Doc | 0000781051 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 438 CEDAR LN, MOORHEAD, MN 56560-3229 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000808957 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 808957 |
| Name | WESTERN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Jun 27, 2018 |
| Property Address | 438 CEDAR LN, MOORHEAD, MN 56560-3229 |
| Document Number | 0000781051 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 781051 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $574.20 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 438 CEDAR LN MOORHEAD MN 565603229, MOORHEAD, MN 56560-3229 |
| Document Number | 781052 |
|---|---|
| Date | Jun 27, 2018 |
| Instrument | 781052 |
| Name | BLACKRIDGEBANK |
|---|---|
| Type | Bank |
| Address | WEST FARGO, ND 58078 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 26, 2048 |
The 2026 property tax bill for 438 Cedar Ln was $4,144 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 | $4,144.00 Homeowner's exemption | $270,900 (+5.08%) Land $46,000 Building $224,900 | $270,900 (+5.08%) Land $46,000 Building $224,900 |
| 2025 | $257,800 Land $46,300 Building $211,500 | $257,800 Land $46,300 Building $211,500 | |
| 2023 | $3,630.00 Homeowner's exemption | $242,400 Land $46,300 Building $196,100 | $242,400 Land $46,300 Building $196,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 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.
The area around 438 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.
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 273 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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