463 Elm St, Georgetown, MN 56546 Property Records

Clay County property record for 463 Elm St, Georgetown, MN 56546

Property Summary

Property Type	Single Family Home
Details	built 2004
Lot Size	0.24 acres (10,501 sqft)
Owner	Individual Name on File
Last Sale	$124,500 (Dec 2022)
Tax Bill	$1,158 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`54.700.0140`

Property Details

APN / Parcel Number

Primary APN	`54.700.0140`

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	10,501 sqft (0.24 acres)

Location & Zoning

Street Address	463 ELM ST
City	GEORGETOWN
State	MN
Zip	56546-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL LOT 5, LOTS 6 & 7 LEST PT & PT OF LOTS 8 & 9 BLOCK 3 WAMBACHS ADD BLOCK 003 LOT 005 SUBDIVISIONCD 54700 SUBDIVISIONNAME W
Legal Range	48
Legal Township	142
Legal Section	32
Legal Subdivision	WAMBACHS ADD
Legal Block	3
Legal Lot Number	5
Jurisdiction	CLAY MN
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1164
Census Tract	30107

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	463 ELM ST, GEORGETOWN, MN 56546-4606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer · FHA Mortgage ALAMEDA MORTGAGE
Oct 3, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 16, 2022 · Amount on Record
Deed Sale	Dec 16, 2022 · Amount on Record
Prior Sale	Oct 3, 2018 · Amount on Record
Deed Document Number	20221499652
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Dec 20, 2022
Property Address	463 ELM ST, GEORGETOWN, MN 56546-4606
Document Number	0000834799
Instrument Date	Dec 13, 2022
Instrument	834799
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	TITLE STREAM, TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$410.85
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 ELM ST, GEORGETOWN, MN 56546-4606

Mortgage

Document Number	0000834800
Date	Dec 20, 2022
Instrument	834800

Lender

Name	ALAMEDA MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Oct 3, 2018
Property Address	463 ELM ST, GEORGETOWN, MN 56546-4606
Document Number	0000783987
Instrument Date	Aug 30, 2018
Instrument	783987
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	F M TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
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	463 ELM ST, GEORGETOWN, MN 56546-4606

Mortgage

Document Number	0000783988
Date	Oct 3, 2018
Instrument	783988

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Clay County
Municipality	Georgetown City
Unified School District	Moorhead Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,158.00 (+27.81%)
2025		$86,000 (+22.68%) Land $4,900 Building $81,100	$86,000 (+22.68%) Land $4,900 Building $81,100
2023	$906.00	$70,100 Land $4,900 Building $65,200	$70,100 Land $4,900 Building $65,200

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	16 (1997–2011)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Apr 2011 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2011 · 9 claims Flooding, Apr 2010 · 5 claims Severe Flooding, High Winds,severe Storms, Apr 1997 · 2 claims

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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	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	Georgetown serves 76 people · EPA ID MN1140014
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
X-Tech Fixed Wireless	500 / 500
Midco Fixed Wireless	100 / 20
CenturyLink DSL	60 / 5

Cell Coverage

5G (outdoors only) and 4G LTE

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