610 Cedar Ln, Moorhead, MN 56560 Property Records

Clay County property record for 610 Cedar Ln, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Sep 2019)
Tax Bill	$3,442 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.531.2250`

Property Details

APN / Parcel Number

Primary APN	`58.531.2250`

Exterior

Lot Area	9,000 sqft (0.21 acres)

Location & Zoning

Street Address	610 CEDAR LN
City	MOORHEAD
State	MN
Zip	56560-3233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME MORNINGSIDE ADD SUBDIVISIONCD 58531 NW 65' OF LOT 9 & SE 10' OF LOT 10 8
Legal Range	48
Legal Township	139
Legal Section	09
Legal Subdivision	MORNINGSIDE ADD
Legal Block	8
Legal Lot Number	9
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2008
Census Tract	30400

Owner

610 Cedar Ln is owned and occupied by an individual who bought it in September 2019.

Source: Clay County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	610 CEDAR LN, MOORHEAD, MN 56560-3233
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK
Jan 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITY MORTGAGE CORP
Sep 17, 2019	Warranty Deed, Transfer TITLE COMPANY/FARGO, TITLE CO/FARGO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2019 · Amount on File
Deed Sale	Sep 17, 2019 · Amount on File
Deed Document Number	2019793595
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	610 CEDAR LN, MOORHEAD, MN 56560-3233
Transaction Type	Mortgage
Record Updated	Nov 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000833937
Date	Nov 10, 2022
Instrument	833937

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	610 CEDAR LN, MOORHEAD, MN 56560-3233
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000764914
Date	Jan 5, 2017
Instrument	764914

Lender

Name	UNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Feb 1, 2032

Interest

Rate Type	Fixed Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Sep 17, 2019
Property Address	610 CEDAR LN, MOORHEAD, MN 56560-3233
Document Number	0000793595
Instrument Date	Sep 10, 2019
Instrument	793595
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	TITLE COMPANY/FARGO, TITLE CO/FARGO

Transaction

Amount	Amount on Record
Tax	$603.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 CEDAR LN MOORHEAD MN 565603233, MOORHEAD, MN 56560-3233

Tax Assessment & Valuation

The 2026 property tax bill for 610 Cedar Ln was $3,442 with a homeowner's exemption.

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	$3,442.00 Homeowner's exemption	$237,100 (+3.31%) Land $46,000 Building $191,100	$237,100 (+3.31%) Land $46,000 Building $191,100
2025		$229,500 Land $46,300 Building $183,200	$229,500 Land $46,300 Building $183,200
2023	$2,984.00 Homeowner's exemption	$215,600 Land $46,300 Building $169,300	$215,600 Land $46,300 Building $169,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 610 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.

Wildfire

The area around 610 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.

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 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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