615 16th St N, Moorhead, MN 56560 Property Records

Clay County property record for 615 16th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,500 sqft)
Owner	Individual on Record
Last Sale	$127,393 (Jul 2025)
Tax Bill	$2,656 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.319.1410`

Property Details

APN / Parcel Number

Primary APN	`58.319.1410`

Exterior

Lot Area	7,500 sqft (0.17 acres)

Location & Zoning

Street Address	615 16TH ST N
City	MOORHEAD
State	MN
Zip	56560-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME HOLES 2ND ADD LOT 005 BLOCK 020 SUBDIVISIONCD 58319 & LOT 6
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	HOLES 2ND ADD
Legal Block	20
Legal Lot Number	5
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2005
Census Tract	30300

Owner

Source: Clay County assessment roll, as of August 12, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	615 16TH ST N, MOORHEAD, MN 56560-2108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Deed of Trust, Mortgage · Line of Credit BELL BANK
Dec 17, 2019	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Mar 9, 2017	Trustee's Deed, Construction Loan · Line of Credit AMERICAN FED'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2025 · Amount on Record
Deed Sale	Jul 22, 2025 · Amount on Record
Prior Sale	Dec 17, 2019 · Amount on Record
Deed Document Number	2025856705
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	615 16TH ST N, MOORHEAD, MN 56560-2108
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000835695
Date	Jan 30, 2023
Instrument	835695

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 15, 2038

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Dec 17, 2019
Property Address	615 16TH ST N, MOORHEAD, MN 56560-2108
Document Number	0000796549
Instrument Date	Dec 16, 2019
Instrument	796549
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	TITLE CO OF FARGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$384.45
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	615 16TH ST N, MOORHEAD, MN 56560-2108

Mortgage

Document Number	0000796550
Date	Dec 17, 2019
Instrument	796550

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CLAY MN
Recording Date	Mar 9, 2017
Property Address	615 16TH ST N, MOORHEAD, MN 56560-2108
Instrument Date	Mar 2, 2017
Instrument	766544
Transaction Type	Construction Loan
Record Updated	Mar 15, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 16TH ST N MOORHEAD MN 565602108, MOORHEAD, MN 56560-2108

Mortgage

Document Number	0000766544
Date	Mar 9, 2017
Instrument	766544

Lender

Name	AMERICAN FED'L BK
Type	Bank
Address	FARGO, ND 58102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 8, 2018

Interest

Rate Type	Adjustable 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	$2,656.00 (+68.31%)
2025		$130,500 (+7.94%) Land $33,200 Building $97,300	$130,500 (+7.94%) Land $33,200 Building $97,300
2023	$1,578.00 Homeowner's exemption	$120,900 Land $28,100 Building $92,800	$120,900 Land $28,100 Building $92,800

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	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 337 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 / 1,000
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Fidium Fiber, Otter Tail Telecom, Verizon.

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