5812 2nd St N, Moorhead, MN 56560 Property Records

Clay County property record for 5812 2nd St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on Record
Last Sale	$266,900 (Apr 2021)
Tax Bill	$4,994 (2026)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`58.882.3310`

Property Details

APN / Parcel Number

Primary APN	`58.882.3310`
Alternative APN	`230173310`

Exterior

Lot Area	29,185 sqft (0.67 acres)

Location & Zoning

Street Address	5812 2ND ST N
City	MOORHEAD
State	MN
Zip	56560-6559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG. 616' N OF SW CORNER; N 88'; E 330'; S 88'; & W 330' TO BEG. SECTION 17 TOWNSHIP 140 RANGE 048
Legal Range	48
Legal Township	140
Legal Section	17
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1008
Census Tract	30106

Owner

Source: Clay County records, as of April 24, 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	5812 2ND ST N, MOORHEAD, MN 56560-6559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
May 8, 2023	Warranty Deed, Transfer · Conventional Mortgage MAGNIFI FINANCIAL CU
Apr 26, 2021	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2021 · Amount on Record
Deed Sale	Apr 26, 2021 · Amount on Record
Prior Sale	Dec 4, 2013 · Amount on Record
Deed Document Number	2021814915
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Recording Date	Apr 16, 2026
Property Address	5812 2ND ST N, MOORHEAD, MN 56560-6559
Document Number	0000863714
Instrument Date	Apr 9, 2026
Instrument	2026863714
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5812 2ND ST N, MOORHEAD, MN 56560-6559

Mortgage

Document Number	0000863714,
Date	Apr 16, 2026
Instrument	2026863714

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	May 8, 2023
Property Address	5812 2ND ST N, MOORHEAD, MN 56560-6559
Document Number	0000837511
Instrument Date	May 5, 2023
Instrument	837511
Transaction Type	Transfer
Record Updated	May 31, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,023.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5812 2ND ST N, MOORHEAD, MN 56560-6559

Mortgage

Document Number	0000837512
Date	May 8, 2023
Instrument	837512

Lender

Name	MAGNIFI FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Apr 26, 2021
Property Address	5812 2ND ST N, MOORHEAD, MN 56560-6559
Document Number	0000814915
Instrument Date	Apr 23, 2021
Instrument	814915
Transaction Type	Transfer
Record Updated	May 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.77
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5812 2ND ST N, MOORHEAD, MN 56560-6559

Mortgage

Document Number	0000814916
Date	Apr 26, 2021
Instrument	814916

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	5812 2ND ST N, MOORHEAD, MN 56560-6559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000801723
Date	Jun 9, 2020
Instrument	801723

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 14, 2035

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	5812 2ND ST N, MOORHEAD, MN 56560-6559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000804043
Date	Aug 5, 2020
Instrument	804043

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

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	$4,994.00 (+18.34%)
2025		$290,300 (+10.25%) Land $65,500 Building $224,800	$290,300 (+10.25%) Land $65,500 Building $224,800
2023	$4,220.00 Homeowner's exemption	$263,300 Land $65,000 Building $198,300	$263,300 Land $65,000 Building $198,300

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Severe Storms And Flooding, Apr 2011 · 109 claims Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 17 claims Severe Flooding, High Winds,severe Storms, May 1997 · 76 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	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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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