Clay County property record for 642 Cedar Ln, Moorhead, MN 56560
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.23 acres (10,111 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,000 (Apr 2018) |
| Tax Bill | $4,576 (2026) |
| Deeds & Mortgages | Oct 2025 Line of Credit May 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 58.531.2180 |
| Primary APN | 58.531.2180 |
|---|
| Lot Area | 10,111 sqft (0.23 acres) |
|---|
| Street Address | 642 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 LOT 1 8 |
| Legal Range | 48 |
| Legal Township | 139 |
| Legal Section | 09 |
| Legal Subdivision | MORNINGSIDE ADD |
| Legal Block | 8 |
| Legal Lot Number | 1 |
| Jurisdiction | CLAY MN |
| Township / Civil Division | MOORHEAD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30400 |
Source: Clay County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 642 CEDAR LN, MOORHEAD, MN 56560-3233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2025 | Deed of Trust, Mortgage · Line of Credit GATE CITY BANK |
| May 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Apr 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK |
| Apr 24, 2018 | Deed, Transfer · Conventional Mortgage GATE CITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 24, 2018 · Amount on Record |
| Deed Sale | Apr 24, 2018 · Amount on Record |
| Prior Sale | Jan 14, 2015 · Amount on Record |
| Deed Document Number | 2018778955 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 642 CEDAR LN, MOORHEAD, MN 56560-3233 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000858886 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 858886 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Jun 15, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 642 CEDAR LN, MOORHEAD, MN 56560-3233 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000768870 |
|---|---|
| Date | May 26, 2017 |
| Instrument | 768870 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 17, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MN |
| Property Address | 642 CEDAR LN, MOORHEAD, MN 56560-3233 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Title Company | FM TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000827693 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 827693 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY MN |
| Recording Date | Apr 24, 2018 |
| Property Address | 642 CEDAR LN, MOORHEAD, MN 56560-3233 |
| Document Number | 0000778955 |
| Instrument Date | Apr 20, 2018 |
| Instrument | 778955 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $656.70 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 642 CEDAR LN, MOORHEAD, MN 56560-3233 |
| Document Number | 0000778956 |
|---|---|
| Date | Apr 24, 2018 |
| Instrument | 778956 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Clay County |
| Municipality | Moorhead City |
| Unified School District | Moorhead Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,576.00 (+14.29%) Homeowner's exemption | $270,100 (+8.52%) Land $50,300 Building $219,800 | $270,100 (+8.52%) Land $50,300 Building $219,800 |
| 2025 | $248,900 (+10.04%) Land $51,900 Building $197,000 | $248,900 (+10.04%) Land $51,900 Building $197,000 | |
| 2023 | $4,004.00 Homeowner's exemption | $226,200 Land $51,900 Building $174,300 | $226,200 Land $51,900 Building $174,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures