4549 Prairie Dr, Moorhead, MN 56560 Property Records

Clay County property record for 4549 Prairie Dr, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Jul 2018)
Tax Bill	$4,490 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.613.0030`

Property Details

APN / Parcel Number

Primary APN	`58.613.0030`

Exterior

Lot Area	4,400 sqft (0.101 acres)

Location & Zoning

Street Address	4549 PRAIRIE DR
City	MOORHEAD
State	MN
Zip	56560-7907
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOCK 001 LOT 003 SUBDIVISIONCD 58613 SUBDIVISIONNAME PRAIRIE MEADOWS 3RD ADD
Legal Range	48
Legal Township	139
Legal Section	28
Legal Subdivision	PRAIRIE MEADOWS 3RD ADD
Legal Block	1
Legal Lot Number	3
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1016
Census Tract	30110

Owner

Source: Clay County records, as of April 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4549 PRAIRIE DR, MOORHEAD, MN 56560-7907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage FIRST COLONY MORTGAGE CORP
Jul 11, 2018	Warranty Deed, Transfer · Conventional with PMI IMAGINE HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Prior Sale	Dec 28, 2012 · Amount on Record
Deed Document Number	2018781508
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	4549 PRAIRIE DR, MOORHEAD, MN 56560-7907
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000858634
Date	Sep 23, 2025
Instrument	858634

Lender

Name	FIRST COLONY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jul 11, 2018
Property Address	4549 PRAIRIE DR, MOORHEAD, MN 56560-7907
Document Number	0000781508
Instrument Date	Jul 9, 2018
Instrument	781508
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	FM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4549 PRAIRIE DR MOORHEAD MN 565607907, MOORHEAD, MN 56560-7907

Mortgage

Document Number	781509
Date	Jul 11, 2018
Instrument	781509

Lender

Name	IMAGINE HM LNDG
Address	ONALASKA, WI 54650

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2048

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 12, 2025

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	$4,490.00 (+19.03%)
2025		$223,300 (+19.73%) Land $23,300 Building $200,000	$223,300 (+19.73%) Land $23,300 Building $200,000
2023	$3,772.00 Homeowner's exemption	$186,500 Land $21,700 Building $164,800	$186,500 Land $21,700 Building $164,800

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 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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