4545 Meadows Ln, Moorhead, MN 56560 Property Records

Clay County property record for 4545 Meadows Ln, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.104 acres (4,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,500 (Jun 2020)
Tax Bill	$4,464 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`58.613.0420`

Property Details

APN / Parcel Number

Primary APN	`58.613.0420`

Exterior

Lot Area	4,548 sqft (0.104 acres)

Location & Zoning

Street Address	4545 MEADOWS LN
City	MOORHEAD
State	MN
Zip	56560-7097
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOCK 002 LOT 016 SUBDIVISIONCD 58613 SUBDIVISIONNAME PRAIRIE MEADOWS 3RD ADD
Legal Range	48
Legal Township	139
Legal Section	28
Legal Subdivision	PRAIRIE MEADOWS 3RD ADD
Legal Block	2
Legal Lot Number	16
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1020
Census Tract	30110

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4545 MEADOWS LN, MOORHEAD, MN 56560-7097
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Deed of Trust, Mortgage HUD
Jun 19, 2020	Warranty Deed, Transfer · Conventional Mortgage WESTERN STATE BANK
Sep 17, 2018	Deed of Trust, Mortgage ATTORNEY ONLY
Aug 27, 2018	Warranty Deed, Transfer TITLE COMPANY/FARGO, TITLE CO/FARGO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2020 · Amount on Record
Deed Sale	Jun 19, 2020 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	2020802220
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	4545 MEADOWS LN, MOORHEAD, MN 56560-7097
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000833900
Date	Nov 9, 2022
Instrument	833900

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	216 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jun 19, 2020
Property Address	4545 MEADOWS LN, MOORHEAD, MN 56560-7097
Document Number	0000802220
Instrument Date	Jun 12, 2020
Instrument	802220
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.35
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4545 MEADOWS LN, MOORHEAD, MN 56560-7097

Mortgage

Document Number	0000802222
Date	Jun 19, 2020
Instrument	802222

Lender

Name	WESTERN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2030

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	4545 MEADOWS LN, MOORHEAD, MN 56560-7097
Document Number	0000783634
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4545 MEADOWS LN MOORHEAD MN 565607097, MOORHEAD, MN 56560-7097

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Aug 27, 2018
Property Address	4545 MEADOWS LN, MOORHEAD, MN 56560-7097
Document Number	0000782974
Instrument Date	Aug 24, 2018
Instrument	782974
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	TITLE COMPANY/FARGO, TITLE CO/FARGO

Transaction

Amount	Amount Recorded
Tax	$544.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4545 MEADOWS LN MOORHEAD MN 565607097, MOORHEAD, MN 56560-7097

Tax Assessment & Valuation

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	$4,464.00 (+19.17%) Homeowner's exemption	$229,600 (+2.41%) Land $23,700 Building $205,900	$229,600 (+2.41%) Land $23,700 Building $205,900
2025		$224,200 (+19.45%) Land $24,000 Building $200,200	$224,200 (+19.45%) Land $24,000 Building $200,200
2023	$3,746.00 Homeowner's exemption	$187,700 Land $22,300 Building $165,400	$187,700 Land $22,300 Building $165,400

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

Flood

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
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

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 339 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, Verizon.

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