Clay County property record for 441 Cedar Ln, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.19 acres (8,399 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Jul 2024) |
| Tax Bill | $2,330 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 58.531.1050 |
| Primary APN | 58.531.1050 |
|---|
| Lot Area | 8,399 sqft (0.19 acres) |
|---|
| Street Address | 441 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 16 3 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 09 |
| Legal Subdivision | MORNINGSIDE ADD |
| Legal Block | 3 |
| Legal Lot Number | 16 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 30400 |
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 Record |
|---|---|
| Mailing Address | 441 CEDAR LN, MOORHEAD, MN 56560-3228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2023 | Warranty Deed, Transfer · Line of Credit CHOICE FINANCIAL GROUP |
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2024 · Amount on Record |
| Deed Sale | Jul 23, 2024 · Amount on Record |
| Deed Document Number | 20241672482 |
| Prior Transfer Date | Nov 2, 2016 |
| Prior Transfer Doc | 0000763269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Jul 24, 2023 |
| Property Address | 441 CEDAR LN, MOORHEAD, MN 56560-3228 |
| Document Number | 0000839376 |
| Instrument Date | Jan 21, 2023 |
| Instrument | 839376 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $686.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 1 2 BROADWAY N #203 # 203, 203, FARGO, ND 58102 |
| Investor | Possibly a Property Investor |
| Document Number | 0000839542 |
|---|---|
| Date | Aug 1, 2023 |
| Instrument | 839542 |
| Name | CHOICE FINANCIAL GROUP |
|---|---|
| Type | Funding / Finance Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 441 CEDAR LN, MOORHEAD, MN 56560-3228 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000800052 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | 800052 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 22, 2030 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,330.00 (-18.82%) | $205,600 (+3.63%) Land $43,600 Building $162,000 | $205,600 (+3.63%) Land $43,600 Building $162,000 |
| 2025 | $198,400 (+6.32%) Land $43,200 Building $155,200 | $198,400 (+6.32%) Land $43,200 Building $155,200 | |
| 2023 | $2,870.00 | $186,600 Land $43,200 Building $143,400 | $186,600 Land $43,200 Building $143,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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