524 Center Ave, Moorhead, MN 56560 Property Records

Clay County property record for 524 Center Ave, Moorhead, MN 56560

Property Summary

Property Type	Commercial
Owner	Company Name on Record
Last Sale	$1,300,000 (Mar 2024)
Tax Bill	$42,414 (2023)
Deeds & Mortgages	Mar 2024 Sale May 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.575.1000`

Property Details

APN / Parcel Number

Primary APN	`58.575.1000`

Location & Zoning

Street Address	524 CENTER AVE
City	MOORHEAD
State	MN
Zip	56560-1922
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SUBDIVISIONNAME ORIGINAL TOWNSITE MOORHEAD SUBDIVISIONCD 58575 W 20.71' OF LOT 8; ALL OF LOTS 9 THRU 18 BLK 44 & LOTS 7 THRU
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	ORIGINAL TOWNSITE MOORHEAD
Legal Block	44
Legal Lot Number	9 10
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2006
Census Tract	20300

Owner

Source: Clay County records, as of April 8, 2024

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

Owner of Record	Company Name on Record
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Limited Warranty Deed, Transfer
May 3, 2021	Limited Warranty Deed, Transfer · Commercial Mortgage WESTERN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2024 · Amount on Record
Deed Sale	Mar 22, 2024 · Amount on Record
Prior Sale	May 3, 2021 · Amount on Record
Deed Document Number	844511
Record Updated	Jun 7, 2026

March 2024: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Mar 22, 2024
Property Address	524 CENTER AVE, MOORHEAD, MN 56560-1922
Document Number	0000844511
Instrument Date	Mar 15, 2024
Instrument	844511
Transaction Type	Transfer
Record Updated	Apr 3, 2024

Transaction

Amount	Amount Recorded
Tax	$4,290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CLAY MN
Recording Date	May 3, 2021
Property Address	524 CENTER AVE, MOORHEAD, MN 56560-1922
Document Number	0000815278
Instrument Date	Apr 30, 2021
Instrument	815278
Transaction Type	Transfer
Record Updated	May 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 BROADWAY N STE 201, 201, FARGO, ND 58102-4489

Mortgage

Document Number	0000815279
Date	May 3, 2021
Instrument	815279

Lender

Name	WESTERN STATE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 1, 2023

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
2023	$42,414.00	$1,995,500 Land $573,100 Building $1,422,400	$1,995,500 Land $573,100 Building $1,422,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	17 (1979–2011)
Claims Outside the SFHA	12 of 17
Most Recent Claim	Apr 2011 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2011 · 7 claims Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 3 claims Severe Flooding, High Winds,severe Storms, Apr 1997 · 4 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	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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber, Fixed Wireless in parts of the area	2,000 / 350
Sparklight Cable	1,000 / 50

May also be available: Otter Tail Telecom, Verizon.

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