822 3rd St S, Moorhead, MN 56560 Property Records

Clay County property record for 822 3rd St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.13 acres (5,474 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jan 2025)
Tax Bill	$3,684 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`58.565.1580`

Property Details

APN / Parcel Number

Primary APN	`58.565.1580`

Exterior

Lot Area	5,474 sqft (0.13 acres)

Location & Zoning

Street Address	822 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 73' OF LOTS 13 TO 15 18
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	OAKGROVE ADD
Legal Block	18
Legal Lot Number	13
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	2 Individual Names on Record
Mailing Address	3163 LAKEVIEW DR, JAMESTOWN, ND 58401-9601
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK
Jun 3, 2019	Warranty Deed, Transfer · Conventional Mortgage WESTERN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2025 · Amount on Record
Deed Sale	Jan 3, 2025 · Amount on Record
Prior Sale	Jun 3, 2019 · Amount on Record
Deed Document Number	2025851699
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	822 3RD ST S, MOORHEAD, MN 56560-3314
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000812982
Date	Mar 9, 2021
Instrument	812982

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 15, 2036

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jun 3, 2019
Property Address	822 3RD ST S, MOORHEAD, MN 56560-3314
Document Number	0000789864
Instrument Date	May 31, 2019
Instrument	789864
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	TITLE CO OF FARGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
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	PO BOX 2891, FARGO, ND 58108-2891

Mortgage

Document Number	0000789865
Date	Jun 3, 2019
Instrument	789865

Lender

Name	WESTERN STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$3,684.00 (+21.02%)	$218,500 (-0.41%) Land $31,900 Building $186,600	$218,500 (-0.41%) Land $31,900 Building $186,600
2025		$219,400 (+9.21%) Land $40,000 Building $179,400	$219,400 (+9.21%) Land $40,000 Building $179,400
2023	$3,044.00	$200,900 Land $37,300 Building $163,600	$200,900 Land $37,300 Building $163,600

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.

Nearby Properties on 3rd St S

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures