6604 3rd St N, Moorhead, MN 56560 Property Records

Clay County property record for 6604 3rd St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.6 acres (26,042 sqft)
Owner	2 Individual Names on File
Last Sale	$424,000 (Jan 2022)
Tax Bill	$8,182 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`58.175.0212`

Property Details

APN / Parcel Number

Primary APN	`58.175.0212`
Alternative APN	`230500212`

Exterior

Lot Area	26,042 sqft (0.6 acres)

Location & Zoning

Street Address	6604 3RD ST N
City	MOORHEAD
State	MN
Zip	56560-6580
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 2 REPLAT OF COUNTRY HERITAGE ADD.
Legal Subdivision	REPLAT OF COUNTRY HERITAGE ADD
Legal Block	2
Legal Lot Number	12
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1013
Census Tract	30106

Owner

6604 3rd St N is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	6604 3RD ST N, MOORHEAD, MN 56560-6580
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
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Nov 13, 2019	Warranty Deed, Transfer · Conventional with PMI CAPITAL CU
Oct 2, 2018	Deed of Trust, Mortgage · Conventional with PMI GATE CITY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2022 · Amount on File
Deed Sale	Jan 14, 2022 · Amount on File
Prior Sale	Nov 13, 2019 · Amount on File
Deed Document Number	20221372061
Prior Transfer Date	Jan 27, 2011
Prior Transfer Doc	0000693063
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jan 18, 2022
Property Address	6604 3RD ST N, MOORHEAD, MN 56560-6580
Document Number	0000825123
Instrument Date	Jan 14, 2022
Instrument	825123
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	NOT AVAILABLE, REGENCY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,399.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6604 3RD ST N, MOORHEAD, MN 56560-6580

Mortgage

Document Number	0000825124
Date	Jan 18, 2022
Instrument	825124

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Nov 13, 2019
Property Address	6604 3RD ST N, MOORHEAD, MN 56560-6580
Document Number	0000795497
Instrument Date	Nov 8, 2019
Instrument	795497
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	TITLE COMPANY/FARGO, TITLE CO/FARGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6604 3RD ST N MOORHEAD MN 565606580, MOORHEAD, MN 56560-6580

Mortgage

Document Number	795498
Date	Nov 13, 2019
Instrument	795498

Lender

Name	CAPITAL CU
Type	Credit Union
Address	BISMARCK, ND 58501

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	6604 3RD ST N, MOORHEAD, MN 56560-6580
Document Number	0000784147
Instrument Date	Oct 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 2, 2018
Title Company	TITLE COMPANY/FARGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6604 3RD ST N MOORHEAD MN 565606580, MOORHEAD, MN 56560-6580

Mortgage

Document Number	0000784147
Date	Oct 9, 2018
Instrument	784147

Lender

Name	GATE CITY BK
Type	Bank
Address	FARGO, ND 58102

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2026 property tax bill for 6604 3rd St N was $8,182 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	$8,182.00 Homeowner's exemption	$438,200 (+0.5%) Land $65,300 Building $372,900	$438,200 (+0.5%) Land $65,300 Building $372,900
2025		$436,000 Land $65,300 Building $370,700	$436,000 Land $65,300 Building $370,700
2023	$6,248.00 Homeowner's exemption	$421,800 Land $65,000 Building $356,800	$421,800 Land $65,000 Building $356,800

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

Flood

FEMA maps place 6604 3rd St N in Zone X, where a levee reduces flood risk, though there have been 213 flood claims nearby since 1997.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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 6604 3rd St N is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.05% 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 87 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

May also be available: AT&T.

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