647 Beech Ln, Moorhead, MN 56560 Property Records

Clay County property record for 647 Beech Ln, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.036 acres (1,590 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jul 2022)
Tax Bill	$2,446 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58.532.0090`

Property Details

APN / Parcel Number

Primary APN	`58.532.0090`

Exterior

Lot Area	1,590 sqft (0.036 acres)

Location & Zoning

Street Address	647 BEECH LN
City	MOORHEAD
State	MN
Zip	56560-3220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME MORNINGSIDE 2ND ADD SUBDIVISIONCD 58532 647 BEECH OF PART OF LOTS 2, 3 & 4 2
Legal Range	48
Legal Township	139
Legal Section	09
Legal Subdivision	MORNINGSIDE 2ND ADD
Legal Block	2
Legal Lot Number	2
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2006
Census Tract	30400

Owner

647 Beech Ln is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	647 BEECH LN, MOORHEAD, MN 56560-3220
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
Jul 8, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jan 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2022 · Amount on File
Deed Sale	Jul 7, 2022 · Amount on File
Prior Sale	Nov 12, 2008 · Amount on File
Deed Document Number	20221437037
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jul 8, 2022
Property Address	647 BEECH LN, MOORHEAD, MN 56560-3220
Document Number	0000830109
Instrument Date	Jul 7, 2022
Instrument	830109
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 BEECH LN, MOORHEAD, MN 56560-3220

Mortgage

Document Number	0000830110
Date	Jul 8, 2022
Instrument	830110

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	647 BEECH LN, MOORHEAD, MN 56560-3220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000776260
Date	Jan 3, 2018
Instrument	776260

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	132 Months
Due	Jan 5, 2028

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 647 Beech Ln was $2,446 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	$2,446.00 Homeowner's exemption	$176,400 (+4.56%) Land $10,400 Building $166,000	$176,400 (+4.56%) Land $10,400 Building $166,000
2025		$168,700 Land $10,400 Building $158,300	$168,700 Land $10,400 Building $158,300
2023	$2,052.00 Homeowner's exemption	$151,700 Land $10,400 Building $141,300	$151,700 Land $10,400 Building $141,300

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

Flood

FEMA maps place 647 Beech 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

Wildfire risk around 647 Beech Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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