802 3rd St S, Moorhead, MN 56560 Property Records

Clay County property record for 802 3rd St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.11 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (May 2024)
Tax Bill	$4,064 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.565.1630`

Property Details

APN / Parcel Number

Primary APN	`58.565.1630`

Exterior

Lot Area	5,000 sqft (0.11 acres)

Location & Zoning

Street Address	802 3RD ST S
City	MOORHEAD
State	MN
Zip	56560-3314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME OAKGROVE ADD SUBDIVISIONCD 58565 W 100' OF LOTS 23 & 24 18
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	OAKGROVE ADD
Legal Block	18
Legal Lot Number	23
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4005
Census Tract	20400

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	802 3RD ST S, MOORHEAD, MN 56560-3314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Aug 14, 2023	Warranty Deed, Transfer · Commercial Mortgage FIRST WESTERN BANK & TRUST
May 3, 2018	Deed, Transfer · Conventional Mortgage AMERICAN FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Aug 11, 2023 · Amount on Record
Deed Document Number	20241645269
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Recording Date	Jun 18, 2026
Property Address	802 3RD ST S, MOORHEAD, MN 56560-3314
Document Number	0000865611
Instrument Date	Jun 18, 2026
Instrument	2026865611
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 3RD ST S, MOORHEAD, MN 56560-3314

Mortgage

Document Number	0000865611,
Date	Jun 18, 2026
Instrument	2026865611

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2066

Interest

Rate	6.51%
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Aug 14, 2023
Property Address	802 3RD ST S, MOORHEAD, MN 56560-3314
Document Number	0000839916
Instrument Date	Aug 11, 2023
Instrument	839916
Transaction Type	Transfer
Record Updated	Aug 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 3RD ST S, MOORHEAD, MN 56560-3314
Investor	Possibly a Property Investor

Mortgage

Document Number	0000839917
Date	Aug 14, 2023
Instrument	839917

Lender

Name	FIRST WESTERN BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Jun 15, 2048

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY MN
Recording Date	May 3, 2018
Property Address	802 3RD ST S, MOORHEAD, MN 56560-3314
Document Number	0000779335
Instrument Date	Apr 30, 2018
Instrument	779335
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$313.50
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	4520 4TH ST S, MOORHEAD, MN 56560-6744

Mortgage

Document Number	0000779336
Date	May 3, 2018
Instrument	779336

Lender

Name	AMERICAN FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 5, 2033

Interest

Rate Type	Adjustable 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	$4,064.00 (+100.2%)	$147,600 (+2%) Land $30,000 Building $117,600	$147,600 (+2%) Land $30,000 Building $117,600
2025		$144,700 (+25.39%) Land $33,000 Building $111,700	$144,700 (+25.39%) Land $33,000 Building $111,700
2023	$2,030.00	$115,400 Land $30,800 Building $84,600	$115,400 Land $30,800 Building $84,600

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	Low lower than 98% of the US · lower than 92% 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 353 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
T-Mobile Fixed Wireless	100 / 20

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

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