4406 16th St S, Moorhead, MN 56560 Property Records

Clay County property record for 4406 16th St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	5,482 acres (238,795,920 sqft)
Owner	Individual Name on File
Last Sale	$181,900 (Jan 2020)
Tax Bill	$3,440 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`58.611.0020`

Property Details

APN / Parcel Number

Primary APN	`58.611.0020`

Exterior

Lot Area	238,795,920 sqft (5,482 acres)

Location & Zoning

Street Address	4406 16TH ST S
City	MOORHEAD
State	MN
Zip	56560-6995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE MEADOWS 2ND ADDITION LOT 002 BLK 1
Legal Range	48
Legal Township	139
Legal Section	28
Legal Subdivision	PRAIRIE MEADOWS SECOND ADDITION
Legal Block	1
Legal Lot Number	2
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1016
Census Tract	30110

Owner

4406 16th St S is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4406 16TH ST S, MOORHEAD, MN 56560-6995
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
Sep 28, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL CO
Jan 6, 2020	Warranty Deed, Transfer TITLE CO OF FARGO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2020 · Amount on File
Deed Sale	Jan 6, 2020 · Amount on File
Prior Sale	Jun 15, 2010 · Amount on File
Deed Document Number	2020797115
Prior Transfer Date	Oct 15, 2015
Prior Transfer Doc	0000750733
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	4406 16TH ST S, MOORHEAD, MN 56560-6995
Transaction Type	Mortgage
Record Updated	May 11, 2022
Title Company	AMERICAN LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000806344
Date	Sep 28, 2020
Instrument	806344

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jan 6, 2020
Property Address	4406 16TH ST S, MOORHEAD, MN 56560-6995
Document Number	0000797115
Instrument Date	Dec 30, 2019
Instrument	797115
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	TITLE CO OF FARGO

Transaction

Amount	Amount on Record
Tax	$600.27
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	4406 16TH ST S, MOORHEAD, MN 56560-6995

Tax Assessment & Valuation

The 2026 property tax bill for 4406 16th St S was $3,440 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	$3,440.00 Homeowner's exemption	$233,900 (+1.96%) Land $28,000 Building $205,900	$233,900 (+1.96%) Land $28,000 Building $205,900
2025		$229,400 Land $29,200 Building $200,200	$229,400 Land $29,200 Building $200,200
2023	$2,626.00 Homeowner's exemption	$193,200 Land $27,100 Building $166,100	$193,200 Land $27,100 Building $166,100

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

Flood

FEMA maps place 4406 16th St S 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	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

Wildfire risk around 4406 16th St S 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.

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.

Nearby Properties on 16th St S

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures