Clay County property record for 4534 3rd St S, Moorhead, MN 56560
| Property Type | Townhouse |
|---|---|
| Lot Size | 0.26 acres (11,118 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $377,000 (Jul 2026) |
| Tax Bill | $4,236 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2023 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 58.003.0471 |
| Primary APN | 58.003.0471 |
|---|
| Architectural Style | Townhouse |
|---|---|
| Lot Area | 11,118 sqft (0.26 acres) |
| Street Address | 4534 3RD ST S |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-6728 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | SUBDIVISIONNAME ALLYSON PKWY 1ST ADD SUBDIVISIONCD 58003 TRACT A OF OAKRIDGE E TOWNHOME A PART OF LOT 11 3 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 29 |
| Legal Subdivision | OAKRIDGE EAST TOWNHOMES |
| Legal Tract | A |
| Legal Block | 3 |
| Legal Lot Number | 4534 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20500 |
4534 3rd St S, a townhouse, is owned and occupied by two individuals who bought it in July 2026.
Source: Clay County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4534 3RD ST S, MOORHEAD, MN 56560-6728 |
| 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 |
|---|---|
| Jul 2, 2026 | Deed, Transfer · VA Mortgage FIRST COMMUNITY CREDIT UNION |
| Mar 9, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on File |
| Deed Sale | Jul 2, 2026 · Amount on File |
| Deed Document Number | 2026866036 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Jul 2, 2026 |
| Property Address | 4534 3RD ST S, MOORHEAD, MN 56560-6728 |
| Document Number | 0000866036 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 2026866036 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2026 |
| Title Company | TITLE TEAM LLC, TITLE TEAM |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125,654.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4534 3RD ST S, MOORHEAD, MN 56560-6728 |
| Document Number | 0000866037, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 2026866037 |
| Name | FIRST COMMUNITY CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Mar 9, 2023 |
| Property Address | 4534 3RD ST S, MOORHEAD, MN 56560-6728 |
| Document Number | 0000836345 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 836345 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4534 3RD ST S, MOORHEAD, MN 56560-6728 |
The 2026 property tax bill for 4534 3rd St S was $4,236 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 | $4,236.00 Homeowner's exemption | $281,700 (+4.99%) Land $30,700 Building $251,000 | $281,700 (+4.99%) Land $30,700 Building $251,000 |
| 2025 | $268,300 Land $30,400 Building $237,900 | $268,300 Land $30,400 Building $237,900 | |
| 2023 | $4,194.00 Homeowner's exemption | $284,300 Land $35,100 Building $249,200 | $284,300 Land $35,100 Building $249,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4534 3rd St S in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 76 (1978–2013) |
| Claims Outside the SFHA | 52 of 76 |
| Most Recent Claim | Apr 2013 · river or lake 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.
The area around 4534 3rd St S 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 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable · Fiber, Fixed Wireless in parts of the area | 2,000 / 350 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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