713 20th St N, Moorhead, MN 56560 Property Records

Clay County property record for 713 20th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (May 2020)
Tax Bill	$2,352 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58.319.0600`

Property Details

APN / Parcel Number

Primary APN	`58.319.0600`

Exterior

Lot Area	7,500 sqft (0.17 acres)

Location & Zoning

Street Address	713 20TH ST N
City	MOORHEAD
State	MN
Zip	56560-2349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME HOLES 2ND ADD SUBDIVISIONCD 58319 LOTS 5 & 6 13
Legal Range	48
Legal Township	139
Legal Section	04
Legal Subdivision	HOLES 2ND ADD
Legal Block	13
Legal Lot Number	5
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	1
Census Block	1018
Census Tract	30300

Owner

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 File
Mailing Address	713 20TH ST N, MOORHEAD, MN 56560-2349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Apr 7, 2017	Warranty Deed, Transfer · Conventional Mortgage REGENCY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2020 · Amount on File
Deed Sale	May 7, 2020 · Amount on File
Prior Sale	Apr 7, 2017 · Amount on File
Deed Document Number	2020800472
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	May 7, 2020
Property Address	713 20TH ST N, MOORHEAD, MN 56560-2349
Document Number	0000800472
Instrument Date	May 6, 2020
Instrument	800472
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.80
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	713 20TH ST N, MOORHEAD, MN 56560-2349

Mortgage

Document Number	0000800473
Date	May 7, 2020
Instrument	800473

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Apr 7, 2017
Property Address	713 20TH ST N, MOORHEAD, MN 56560-2349
Document Number	0000767407
Instrument Date	Apr 6, 2017
Instrument	767407
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	REGENCY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.70
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	713 20TH ST N, MOORHEAD, MN 56560-2349

Mortgage

Document Number	, 767408
Date	Apr 7, 2017
Instrument	767408

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.87%

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	$2,352.00 (+26.32%) Homeowner's exemption	$163,100 (+0.12%) Land $32,500 Building $130,600	$163,100 (+0.12%) Land $32,500 Building $130,600
2025		$162,900 (+17.03%) Land $33,200 Building $129,700	$162,900 (+17.03%) Land $33,200 Building $129,700
2023	$1,862.00 Homeowner's exemption	$139,200 Land $28,100 Building $111,100	$139,200 Land $28,100 Building $111,100

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	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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.

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 488 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
AT&T Fixed Wireless	100 / 20

May also be available: Otter Tail Telecom, Verizon.

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