Clay County property record for 5809 Elm St N, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.567 acres (24,706 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,800 (Jul 2018) |
| Tax Bill | $5,118 (2026) |
| Deeds & Mortgages | Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 58.566.0311 |
| Primary APN | 58.566.0311 |
|---|
| Lot Area | 24,706 sqft (0.567 acres) |
|---|
| Street Address | 5809 ELM ST N |
|---|---|
| City | MOORHEAD |
| State | MN |
| Zip | 56560-6327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 40' OF LOT 10 & ALL OF LOTS 11 & 12 3 OAKWOOD MANOR |
| Legal Subdivision | OAKWOOD MANOR |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 30106 |
5809 Elm St N is owned and occupied by an individual who bought it in July 2018.
Source: Clay County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5809 ELM ST N, MOORHEAD, MN 56560-6327 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2018 · Amount on File |
| Deed Sale | Jul 6, 2018 · Amount on File |
| Prior Sale | May 20, 2016 · Amount on File |
| Deed Document Number | 2018781398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Jul 6, 2018 |
| Property Address | 5809 ELM ST N, MOORHEAD, MN 56560-6327 |
| Document Number | 0000781398 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 781398 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | FM TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $659.34 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5809 ELM ST N, MOORHEAD, MN 56560-6327 |
| Document Number | 0000781399 |
|---|---|
| Date | Jul 6, 2018 |
| Instrument | 781399 |
| Name | GATE CITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 5809 Elm St N was $5,118 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 | $5,118.00 Homeowner's exemption | $326,600 (+0.65%) Land $65,200 Building $261,400 | $326,600 (+0.65%) Land $65,200 Building $261,400 |
| 2025 | $324,500 Land $65,200 Building $259,300 | $324,500 Land $65,200 Building $259,300 | |
| 2023 | $4,386.00 Homeowner's exemption | $303,900 Land $65,000 Building $238,900 | $303,900 Land $65,000 Building $238,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5809 Elm St N in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.
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 reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 213 (1997–2014) |
| Claims Outside the SFHA | 180 of 213 |
| Most Recent Claim | May 2014 · rainfall accumulation |
| Claims by Event |
|
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 risk around 5809 Elm St N is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 55 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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