6312 2nd St N, Moorhead, MN 56560 Property Records

Clay County property record for 6312 2nd St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	3.96 acres (172,498 sqft)
Owner	Individual Name on File
Tax Bill	$5,960 (2026)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`58.882.3201`

Property Details

APN / Parcel Number

Primary APN	`58.882.3201`
Alternative APN	`230173201`

Exterior

Lot Area	172,498 sqft (3.96 acres)

Location & Zoning

Street Address	6312 2ND ST N
City	MOORHEAD
State	MN
Zip	56560-6561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG. 2359.7' N OF SW CORNER; E 659.95'; N 255.87'; W 660' & S 265.67' 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 · APN 58.882.3201

Assessment roll updated August 12, 2025 · Last verified April 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 File
Mailing Address	6312 2ND ST N, MOORHEAD, MN 56560-6561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	6312 2ND ST N, MOORHEAD, MN 56560-6561
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000770182
Date	Jun 28, 2017
Instrument	770182

Lender

Name	UNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 01, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated August 12, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,960.00 (+14.57%)
2025		$345,000 (+6.12%) Land $75,500 Building $269,500	$345,000 (+6.12%) Land $75,500 Building $269,500
2023	$5,202.00 Homeowner's exemption	$325,100 Land $69,000 Building $256,100	$325,100 Land $69,000 Building $256,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire

Wildfire Risk	Low lower than 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midcontinent Communications Cable · Fixed Wireless in parts of the area	2,000 / 350
Cable One Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Based on FCC filings for 87 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Moorhead serves 44,583 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.