704 15th St N, Moorhead, MN 56560 Property Records

Clay County property record for 704 15th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.15 acres (6,661 sqft)
Owner	Individual Name on Record
Last Sale	$85,900 (Nov 2008)
Tax Bill	$1,892 (2026)
Deeds & Mortgages	May 2025 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58.319.0290`

Property Details

APN / Parcel Number

Primary APN	`58.319.0290`

Exterior

Lot Area	6,661 sqft (0.15 acres)

Location & Zoning

Street Address	704 15TH ST N
City	MOORHEAD
State	MN
Zip	56560-2162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME HOLES 2ND ADD SUBDIVISIONCD 58319 LOTS 15 & 16 9 EXCEPT THE S 12' OF E 70' OF 15
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	HOLES 2ND ADD
Legal Block	9
Legal Lot Number	16
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1024
Census Tract	30300

Owner

Source: Clay County records, as of August 25, 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 Record
Mailing Address	704 15TH ST N, MOORHEAD, MN 56560-2162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2025	Quit Claim Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU
Apr 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2008 · Amount on Record
Deed Sale	Nov 6, 2008 · Amount on Record
Prior Sale	Mar 27, 2007 · Amount on Record
Deed Document Number	2008662060
Last Transfer Date	Aug 18, 2009
Transfer Doc	0000674590
Record Updated	Oct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	May 12, 2025
Property Address	704 15TH ST N, MOORHEAD, MN 56560-2162
Document Number	0000854715
Instrument Date	Apr 14, 2025
Instrument	854715
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	AFFINITY PLUS TITLE COMPANY, AFFINITY PLUS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 15TH ST N, MOORHEAD, MN 56560-2162

Mortgage

Document Number	0000854716
Date	May 12, 2025
Instrument	854716

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	3.63%
Max Rate At Change	7.63%
Index	Other
Max Rate	10.6%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	704 15TH ST N, MOORHEAD, MN 56560-2162
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE RECORDING SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000767776
Date	Apr 21, 2017
Instrument	767776

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Apr 1, 2029

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,892.00 (+23.5%) Homeowner's exemption	$142,000 (+6.69%) Land $30,000 Building $112,000	$142,000 (+6.69%) Land $30,000 Building $112,000
2025		$133,100 (+12.89%) Land $31,100 Building $102,000	$133,100 (+12.89%) Land $31,100 Building $102,000
2023	$1,532.00 Homeowner's exemption	$117,900 Land $26,300 Building $91,600	$117,900 Land $26,300 Building $91,600

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

Flood

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	2 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

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 495 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

May also be available: Fidium Fiber, Otter Tail Telecom, Verizon.

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