638 Appletree Ln, Moorhead, MN 56560 Property Records

Clay County property record for 638 Appletree Ln, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,799 sqft)
Owner	Individual Name on File
Last Sale	$206,378 (Nov 2025)
Tax Bill	$3,298 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58.531.1660`

Property Details

APN / Parcel Number

Primary APN	`58.531.1660`

Exterior

Lot Area	7,799 sqft (0.18 acres)

Location & Zoning

Street Address	638 APPLETREE LN
City	MOORHEAD
State	MN
Zip	56560-3219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME MORNINGSIDE ADD SUBDIVISIONCD 58531 NW 65' OF LOT 10 6
Legal Range	48
Legal Township	139
Legal Section	09
Legal Subdivision	MORNINGSIDE ADD
Legal Block	6
Legal Lot Number	10
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2025
Census Tract	30400

Owner

638 Appletree Ln is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	638 APPLETREE LN, MOORHEAD, MN 56560-3219
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 25, 2025	Warranty Deed, Transfer · Conventional Mortgage WESTERN STATE BANK
May 31, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 3, 2019	Loan Modification, Mortgage · Conventional Mortgage BANK OF NORTH DAKOTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2025 · Amount on File
Deed Sale	Nov 25, 2025 · Amount on File
Prior Sale	Jan 13, 2014 · Amount on File
Deed Document Number	2025860286
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Nov 25, 2025
Property Address	638 APPLETREE LN, MOORHEAD, MN 56560-3219
Document Number	0000860286
Instrument Date	Nov 25, 2025
Instrument	860286
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$681.05
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 APPLETREE LN, MOORHEAD, MN 56560-3219

Mortgage

Document Number	0000860287
Date	Nov 25, 2025
Instrument	860287

Lender

Name	WESTERN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	638 APPLETREE LN, MOORHEAD, MN 56560-3219
Document Number	0000790447
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jul 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 APPLETREE LN MOORHEAD MN 565603219, MOORHEAD, MN 56560-3219

Mortgage

Document Number	0000790447
Date	Jun 17, 2019
Instrument	790447

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY MN
Property Address	638 APPLETREE LN, MOORHEAD, MN 56560-3219
Document Number	0000790068
Instrument Date	Apr 3, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000790068
Date	Jun 7, 2019
Instrument	790068

Lender

Name	BANK OF NORTH DAKOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 638 Appletree Ln was $3,298 with a homeowner's exemption, up 11.4% from the year before.

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	$3,298.00 (+11.42%) Homeowner's exemption	$220,400 (+4.01%) Land $41,200 Building $179,200	$220,400 (+4.01%) Land $41,200 Building $179,200
2025	$2,960.00 Homeowner's exemption	$211,900 Land $40,100 Building $171,800	$211,900 Land $40,100 Building $171,800
2023	$2,950.00 Homeowner's exemption	$202,000 Land $40,100 Building $161,900	$202,000 Land $40,100 Building $161,900

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

Flood

FEMA maps place 638 Appletree 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 638 Appletree 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.

Nearby Properties on Appletree Ln

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