601 20th St N, Moorhead, MN 56560 Property Records

Clay County property record for 601 20th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.11 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$127,900 (Apr 2018)
Tax Bill	$3,482 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`58.319.0950`

Property Details

APN / Parcel Number

Primary APN	`58.319.0950`

Exterior

Lot Area	5,000 sqft (0.11 acres)

Location & Zoning

Street Address	601 20TH ST N
City	MOORHEAD
State	MN
Zip	56560-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME HOLES 2ND ADD LOT 011 BLOCK 016 SUBDIVISIONCD 58319 E 100' OF LOTS 11 & 12
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	HOLES 2ND ADD
Legal Block	16
Legal Lot Number	11
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2001
Census Tract	30300

Owner

Source: Clay County records, as of May 18, 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	PO BOX 172, MAHNOMEN, MN 56557-0172
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Line of Credit UNITED SAGINAW CREDIT UNION
Jul 21, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED SAVINGS CU
Apr 17, 2018	Deed, Transfer · FHA Mortgage UNITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2018 · Amount on Record
Deed Sale	Apr 17, 2018 · Amount on Record
Prior Sale	Dec 27, 2007 · Amount on Record
Deed Document Number	2018778778
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Recording Date	May 5, 2026
Property Address	601 20TH ST N, MOORHEAD, MN 56560-2347
Document Number	0000864257
Instrument Date	May 4, 2026
Instrument	2026864257
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 20TH ST N, MOORHEAD, MN 56560-2347

Mortgage

Document Number	0000864257,
Date	May 5, 2026
Instrument	2026864257

Lender

Name	UNITED SAGINAW CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	601 20TH ST N, MOORHEAD, MN 56560-2347
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000818590
Date	Jul 21, 2021
Instrument	818590

Lender

Name	CALIBER HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	601 20TH ST N, MOORHEAD, MN 56560-2347
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000796401
Date	Dec 12, 2019
Instrument	796401

Lender

Name	UNITED SAVINGS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 11, 2029

Interest

Rate Type	Fixed Rate

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY MN
Recording Date	Apr 17, 2018
Property Address	601 20TH ST N, MOORHEAD, MN 56560-2347
Document Number	0000778778
Instrument Date	Apr 16, 2018
Instrument	778778
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$422.07
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 20TH ST N, MOORHEAD, MN 56560-2347

Mortgage

Document Number	0000778779
Date	Apr 17, 2018
Instrument	778779

Lender

Name	UNITY MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$3,482.00 (+19.99%)
2025		$181,000 (+12.42%) Land $28,600 Building $152,400	$181,000 (+12.42%) Land $28,600 Building $152,400
2023	$2,902.00	$161,000 Land $24,200 Building $136,800	$161,000 Land $24,200 Building $136,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 488 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: Otter Tail Telecom, Verizon.

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