521 16th St N, Moorhead, MN 56560 Property Records

Clay County property record for 521 16th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,251 sqft)
Owner	Individual Name on Record
Tax Bill	$3,092 (2026)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.319.1730`

Property Details

APN / Parcel Number

Primary APN	`58.319.1730`

Exterior

Lot Area	11,251 sqft (0.26 acres)

Location & Zoning

Street Address	521 16TH ST N
City	MOORHEAD
State	MN
Zip	56560-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME HOLES 2ND ADD LOT 001 BLOCK 023 SUBDIVISIONCD 58319 LOTS 1 TO 3
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	HOLES 2ND ADD
Legal Block	23
Legal Lot Number	1
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2008
Census Tract	30300

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	521 16TH ST N, MOORHEAD, MN 56560-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage AFFINITY PLUS FCU
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	521 16TH ST N, MOORHEAD, MN 56560-2106
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000815844
Date	May 14, 2021
Instrument	815844

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 20, 2031

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	521 16TH ST N, MOORHEAD, MN 56560-2106
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000815842
Date	May 14, 2021
Instrument	815842

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Sep 20, 2028

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	521 16TH ST N, MOORHEAD, MN 56560-2106
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000815843
Date	May 14, 2021
Instrument	815843

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Sep 20, 2028

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	Moorhead City
Unified School District	Moorhead Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,092.00 (+51.27%)
2025		$169,300 (+11.45%) Land $49,700 Building $119,600	$169,300 (+11.45%) Land $49,700 Building $119,600
2023	$2,044.00 Homeowner's exemption	$151,900 Land $42,100 Building $109,800	$151,900 Land $42,100 Building $109,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fixed Wireless in parts of the area	2,000 / 1,000
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Fidium Fiber, Otter Tail Telecom, Verizon.

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