705 15th St N, Moorhead, MN 56560 Property Records

Clay County property record for 705 15th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jan 2025)
Tax Bill	$3,666 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`58.319.0140`

Property Details

APN / Parcel Number

Primary APN	`58.319.0140`

Exterior

Lot Area	7,501 sqft (0.17 acres)

Location & Zoning

Street Address	705 15TH ST N
City	MOORHEAD
State	MN
Zip	56560-2161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME HOLES 2ND ADD SUBDIVISIONCD 58319 LOTS 9 & 10 8
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	HOLES 2ND ADD
Legal Block	8
Legal Lot Number	9
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1025
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	705 15TH ST N, MOORHEAD, MN 56560-2161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALERUS FINANCIAL NA
Mar 18, 2020	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jul 31, 2017	Deed, Transfer · Conventional Mortgage ALERUS FINANCIAL NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2025 · Amount on Record
Deed Sale	Jan 24, 2025 · Amount on Record
Prior Sale	Mar 18, 2020 · Amount on Record
Deed Document Number	2025852103
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jun 13, 2022
Property Address	705 15TH ST N, MOORHEAD, MN 56560-2161
Document Number	0000829241
Instrument Date	Jun 10, 2022
Instrument	829241
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 15TH ST N, MOORHEAD, MN 56560-2161

Mortgage

Document Number	0000829242
Date	Jun 13, 2022
Instrument	829242

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	705 15TH ST N, MOORHEAD, MN 56560-2161
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000791221
Date	Jul 9, 2019
Instrument	791221

Lender

Name	ALERUS FINANCIAL NA
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 14, 2023

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Mar 18, 2020
Property Address	705 15TH ST N, MOORHEAD, MN 56560-2161
Document Number	0000799083
Instrument Date	Mar 12, 2020
Instrument	799083
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$666.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 15TH ST N, MOORHEAD, MN 56560-2161

Mortgage

Document Number	0000799084
Date	Mar 18, 2020
Instrument	799084

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY MN
Recording Date	Jul 31, 2017
Property Address	705 15TH ST N, MOORHEAD, MN 56560-2161
Document Number	0000771296
Instrument Date	Jul 27, 2017
Instrument	771296
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 1ST ST S, MOORHEAD, MN 56560-3301

Mortgage

Document Number	0000771297
Date	Jul 31, 2017
Instrument	771297

Lender

Name	ALERUS FINANCIAL NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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	$3,666.00 (+29.08%)	$247,800 (+16.28%) Land $32,500 Building $215,300	$247,800 (+16.28%) Land $32,500 Building $215,300
2025		$213,100 (+15.06%) Land $33,200 Building $179,900	$213,100 (+15.06%) Land $33,200 Building $179,900
2023	$2,840.00	$185,200 Land $28,100 Building $157,100	$185,200 Land $28,100 Building $157,100

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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