5906 3rd St N, Moorhead, MN 56560 Property Records

Clay County property record for 5906 3rd St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	4.96 acres (216,058 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,414 (2026)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`58.882.3606`

Property Details

APN / Parcel Number

Primary APN	`58.882.3606`
Alternative APN	`230173606`

Exterior

Lot Area	216,058 sqft (4.96 acres)

Location & Zoning

Street Address	5906 3RD ST N
City	MOORHEAD
State	MN
Zip	56560-6576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW1/4 SW1/4 BEG 330' E SW1/4 COR; N1313.11', E329.96', S731.82', W297', S586.67' & W33' TO POB 17-140-48 SECTION 17 TOWNSH
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 August 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 1072, MOORHEAD, MN 56561-1072
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	5906 3RD ST N, MOORHEAD, MN 56560-6576
Document Number	0000800389
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5906 3RD ST N MOORHEAD MN 565606576, MOORHEAD, MN 56560-6576

Mortgage

Document Number	0000800389
Date	May 5, 2020
Instrument	800389

Lender

Name	BANK FORWARD
Type	Bank
Address	GRAND FORKS, ND 58203-2169

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 4, 2035

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 25, 2026

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	$11,414.00 (+2%) Homeowner's exemption	$663,900 (+0.64%) Land $75,300 Building $588,600	$663,900 (+0.64%) Land $75,300 Building $588,600
2025		$659,700 (+6.82%) Land $75,300 Building $584,400	$659,700 (+6.82%) Land $75,300 Building $584,400
2023	$9,512.00 Homeowner's exemption	$617,600 Land $68,800 Building $548,800	$617,600 Land $68,800 Building $548,800

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	Moderate above 45% of the US · above 75% of Minnesota
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 25 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