Clay County property record for 534 Cedar Ln, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.21 acres (9,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $234,000 (Jun 2021) |
| Tax Bill | $4,218 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 58.531.0500 |
| Primary APN | 58.531.0500 |
|---|
| Lot Area | 9,000 sqft (0.21 acres) |
|---|
| Street Address | 534 CEDAR LN |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-3231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME MORNINGSIDE ADD SUBDIVISIONCD 58531 NW 15' OF LOT 1 & SE 60' OF LOT 2 2 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 09 |
| Legal Subdivision | MORNINGSIDE ADD |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 30400 |
534 Cedar Ln is owned and occupied by an individual who bought it in June 2021.
Source: Clay County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 534 CEDAR LN, MOORHEAD, MN 56560-3231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WESTERN STATE BANK |
| Jun 2, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2021 · Amount on File |
| Deed Sale | Jun 2, 2021 · Amount on File |
| Prior Sale | Aug 11, 2014 · Amount on File |
| Deed Document Number | 2021816570 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 534 CEDAR LN, MOORHEAD, MN 56560-3231 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000803605 |
|---|---|
| Date | Jul 24, 2020 |
| Instrument | 803605 |
| Name | WESTERN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 15, 2021 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Jun 2, 2021 |
| Property Address | 534 CEDAR LN, MOORHEAD, MN 56560-3231 |
| Document Number | 0000816570 |
| Instrument Date | May 28, 2021 |
| Instrument | 816570 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | FM TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $772.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 534 CEDAR LN, MOORHEAD, MN 56560-3231 |
| Document Number | 0000816571 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 816571 |
| Name | FIRST COMMUNITY CU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 534 Cedar Ln was $4,218 with a homeowner's exemption.
Source: Clay County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Clay County |
| Municipality | Moorhead City |
| Unified School District | Moorhead Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,218.00 Homeowner's exemption | $270,300 (+3.17%) Land $46,000 Building $224,300 | $270,300 (+3.17%) Land $46,000 Building $224,300 |
| 2025 | $262,000 Land $46,300 Building $215,700 | $262,000 Land $46,300 Building $215,700 | |
| 2023 | $3,618.00 Homeowner's exemption | $241,700 Land $46,300 Building $195,400 | $241,700 Land $46,300 Building $195,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 534 Cedar Ln in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
The area around 534 Cedar Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 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 / 350 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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