470 Oak St, Georgetown, MN 56546 Property Records

Clay County property record for 470 Oak St, Georgetown, MN 56546

Property Summary

Property Type	Single Family Home
Details	built 1941
Lot Size	0.32 acres (13,998 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Nov 2008)
Tax Bill	$1,700 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`54.700.0190`

Property Details

APN / Parcel Number

Primary APN	`54.700.0190`

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Lot Area	13,998 sqft (0.32 acres)

Location & Zoning

Street Address	470 OAK ST
City	GEORGETOWN
State	MN
Zip	56546-4614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME WAMBACHS ADD SUBDIVISIONCD 54700 LOTS 21 TO 24 3 GEORGETOWN CITY
Legal Range	48
Legal Township	142
Legal Section	32
Legal Subdivision	WAMBACHS ADD
Legal Block	3
Legal Lot Number	21
Jurisdiction	CLAY MN
Township / Civil Division	GEORGETOWN
Census Block Group	1
Census Block	1164
Census Tract	30107

Owner

Source: Clay County records, as of October 19, 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	470 OAK ST, GEORGETOWN, MN 56546-4614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jul 11, 2020	Deed of Trust, Mortgage · FHA Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2008 · Amount on Record
Deed Sale	Nov 7, 2008 · Amount on Record
Prior Sale	Nov 17, 2005 · Amount on Record
Deed Document Number	2008662104
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Recording Date	Aug 3, 2026
Property Address	470 OAK ST, GEORGETOWN, MN 56546-4614
Document Number	0000866918
Instrument Date	Jun 25, 2026
Instrument	2026866918
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 OAK ST, GEORGETOWN, MN 56546-4614

Mortgage

Document Number	0000866918,
Date	Aug 3, 2026
Instrument	2026866918

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Aug 1, 2050

Interest

Rate	6.53%
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	470 OAK ST, GEORGETOWN, MN 56546-4614
Document Number	0000803471
Instrument Date	Jul 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 OAK ST GEORGETOWN MN 565464614, GEORGETOWN, MN 56546-4614

Mortgage

Document Number	0000803471
Date	Jul 22, 2020
Instrument	803471

Lender

Name	PLANET HM LNDG
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 25, 2026

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	$1,700.00 (+34.28%) Homeowner's exemption	$154,500 (-0.32%) Land $6,500 Building $148,000	$154,500 (-0.32%) Land $6,500 Building $148,000
2025		$155,000 (+26.95%) Land $6,500 Building $148,500	$155,000 (+26.95%) Land $6,500 Building $148,500
2023	$1,266.00 Homeowner's exemption	$122,100 Land $6,500 Building $115,600	$122,100 Land $6,500 Building $115,600

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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