Clay County property record for 537 Cedar Ln, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.2 acres (8,914 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,900 (Aug 2005) |
| Tax Bill | $3,690 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 58.531.1150 |
| Primary APN | 58.531.1150 |
|---|
| Lot Area | 8,914 sqft (0.2 acres) |
|---|
| Street Address | 537 CEDAR LN |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-3230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISIONNAME MORNINGSIDE ADD SUBDIVISIONCD 58531 SE 75' OF LOT 26 3 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 09 |
| Legal Subdivision | MORNINGSIDE ADD |
| Legal Block | 3 |
| Legal Lot Number | 26 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 30400 |
537 Cedar Ln is owned and occupied by an individual who bought it in August 2005.
Source: Clay County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 537 CEDAR LN, MOORHEAD, MN 56560-3230 |
| 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 |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST INTERNATIONAL BANK |
| Feb 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNATIONAL BANK & TRT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2005 · Amount on File |
| Deed Sale | Aug 5, 2005 · Amount on File |
| Deed Document Number | 2005616120 |
| Prior Transfer Date | Jul 29, 2005 |
| Prior Transfer Doc | 0000616120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 537 CEDAR LN, MOORHEAD, MN 56560-3230 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000859658 |
|---|---|
| Date | Nov 3, 2025 |
| Instrument | 859658 |
| Name | FIRST INTERNATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 537 CEDAR LN, MOORHEAD, MN 56560-3230 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000797952 |
|---|---|
| Date | Feb 4, 2020 |
| Instrument | 797952 |
| Name | FIRST INTERNATIONAL BANK & TRT |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 28, 2021 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 537 Cedar Ln was $3,690.
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 | $3,690.00 | $217,000 (+3.33%) Land $45,700 Building $171,300 | $217,000 (+3.33%) Land $45,700 Building $171,300 |
| 2025 | $210,000 Land $45,800 Building $164,200 | $210,000 Land $45,800 Building $164,200 | |
| 2023 | $3,144.00 | $195,700 Land $45,800 Building $149,900 | $195,700 Land $45,800 Building $149,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 537 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 537 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 178 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Otter Tail Telecom, Verizon.
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