Clay County property record for 520 3rd St N, Sabin, MN 56580
| Property Type | Single Family Home |
|---|---|
| Details | built 2006 |
| Lot Size | 0.66 acres (28,835 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $417,500 (Sep 2026) |
| Tax Bill | $5,454 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 59.701.0010 |
| Primary APN | 59.701.0010 |
|---|
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 28,835 sqft (0.66 acres) |
| Street Address | 520 3RD ST N |
|---|---|
| City | SABIN |
| State | MN |
| Zip | 56580-4148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME QUARTERLINE CROSSING 2ND ADD LOT 001 BLOCK 001 SUBDIVISIONCD 59701 |
| Legal Range | 47 |
| Legal Township | 138 |
| Legal Section | 07 |
| Legal Subdivision | QUARTERLINE CROSSING 2ND ADD |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | SABIN |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 30110 |
Source: Clay County records, as of September 23, 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 | 520 3RD ST N, SABIN, MN 56580-4148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2026 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Jun 25, 2021 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL CO |
| Aug 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK |
| May 13, 2020 | Loan Modification, Mortgage WESTERN ST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2026 · Amount on Record |
| Deed Sale | Sep 9, 2026 · Amount on Record |
| Prior Sale | Aug 12, 2022 · Amount on Record |
| Deed Document Number | 2026868041 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Sep 9, 2026 |
| Property Address | 520 3RD ST N, SABIN, MN 56580-4148 |
| Document Number | 0000868041 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 2026868041 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $139,152.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 3RD ST N, SABIN, MN 56580-4148 |
| Document Number | 0000868042, |
|---|---|
| Date | Sep 9, 2026 |
| Instrument | 2026868042 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 520 3RD ST N, SABIN, MN 56580-4148 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Title Company | FM TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000817569 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 817569 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Aug 12, 2022 |
| Property Address | 520 3RD ST N, SABIN, MN 56580-4148 |
| Document Number | 0000831258 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 831258 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,207.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 520 3RD ST N, SABIN, MN 56580-4148 |
| Document Number | 0000831259 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 831259 |
| Name | GATE CITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 3.75% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 520 3RD ST N, SABIN, MN 56580-4148 |
| Document Number | 0000804620 |
| Instrument Date | May 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 520 3RD ST W SABIN MN 56580, SABIN, MN 56580 |
| Document Number | 0000804620 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 804620 |
| Name | WESTERN ST BK |
|---|---|
| Type | Bank |
| Address | WEST FARGO, ND 58078 |
| Term | 12 Months |
|---|---|
| Due | Aug 17, 2021 |
Source: Clay County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Clay County |
| Municipality | Sabin City |
| Unified School District | Moorhead Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,454.00 (+10.94%) Homeowner's exemption | $393,800 (+1.86%) Land $68,700 Building $325,100 | $393,800 (+1.86%) Land $68,700 Building $325,100 |
| 2025 | $386,600 (+3.51%) Land $68,700 Building $317,900 | $386,600 (+3.51%) Land $68,700 Building $317,900 | |
| 2023 | $4,916.00 Homeowner's exemption | $373,500 Land $68,700 Building $304,800 | $373,500 Land $68,700 Building $304,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2009 · Severe Storms And Flooding |
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.
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 | Sabin serves 629 people · EPA ID MN1140010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Arsenic resolved · Jan 2022 |
|---|---|
| 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.
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