723 12th St N, Moorhead, MN 56560 Property Records

Clay County property record for 723 12th St N, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.19 acres (8,142 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,152 (2026)
Deeds & Mortgages	Sep 2026 Sale Sep 2026 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.251.0010`

Property Details

APN / Parcel Number

Primary APN	`58.251.0010`

Exterior

Lot Area	8,142 sqft (0.19 acres)

Location & Zoning

Street Address	723 12TH ST N
City	MOORHEAD
State	MN
Zip	56560-2133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME FREEMANS 1ST ADD SUBDIVISIONCD 58251 LOTS 1 & 2 & N 5' OF 3 1
Legal Range	48
Legal Township	139
Legal Section	05
Legal Subdivision	FREEMANS 1ST ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	3
Census Block	3014
Census Tract	20700

Owner

Source: Clay County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	723 12TH ST N, MOORHEAD, MN 56560-2133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Quit Claim Deed, Transfer AMERICA TITLE, AMERICA SAFE TITLE
Sep 8, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL
Aug 25, 2023	Warranty Deed, Transfer · VA Mortgage LOAN DEPOT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 31, 2026
Transfer Doc	0000868115
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	Sep 11, 2026
Property Address	723 12TH ST N, MOORHEAD, MN 56560-2133
Document Number	0000868115
Instrument Date	Aug 31, 2026
Instrument	2026868115
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	AMERICA TITLE, AMERICA SAFE TITLE

Transaction

Amount	Amount Recorded
Tax	$166.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	723 12TH ST N, MOORHEAD, MN 56560-2133

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Recording Date	Sep 8, 2026
Property Address	723 12TH ST N, MOORHEAD, MN 56560-2133
Document Number	0000868019
Instrument Date	Aug 31, 2026
Instrument	2026868019
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 12TH ST N, MOORHEAD, MN 56560-2133

Mortgage

Document Number	0000868019,
Date	Sep 8, 2026
Instrument	2026868019

Lender

Name	VILLAGE CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Aug 25, 2023
Property Address	723 12TH ST N, MOORHEAD, MN 56560-2133
Document Number	0000840221
Instrument Date	Aug 18, 2023
Instrument	840221
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	FM TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$788.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 12TH ST N, MOORHEAD, MN 56560-2133

Mortgage

Document Number	0000840222
Date	Aug 25, 2023
Instrument	840222

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

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	$3,152.00 (+30.57%) Homeowner's exemption	$222,400 (+4.36%) Land $35,500 Building $186,900	$222,400 (+4.36%) Land $35,500 Building $186,900
2025		$213,100 (+18.52%) Land $34,900 Building $178,200	$213,100 (+18.52%) Land $34,900 Building $178,200
2023	$2,414.00 Homeowner's exemption	$179,800 Land $32,200 Building $147,600	$179,800 Land $32,200 Building $147,600

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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