904 41st Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 904 41st Ave S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,212 (Jun 2018)
Tax Bill	$4,068 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.609.0010`

Property Details

APN / Parcel Number

Primary APN	`58.609.0010`

Exterior

Lot Area	10,080 sqft (0.23 acres)

Location & Zoning

Street Address	904 41ST AVE S
City	MOORHEAD
State	MN
Zip	56560-7438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME PRAIRIE SKIES 2ND ADD LOT 001 BLOCK 001 SUBDIVISIONCD 58609
Legal Range	48
Legal Township	139
Legal Section	29
Legal Subdivision	PRAIRIE SKIES 2ND ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2001
Census Tract	30110

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	904 41ST AVE S, MOORHEAD, MN 56560-7438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARK LA TEX FINANCIAL SERVICES
Jun 4, 2018	Warranty Deed, Transfer · Conventional Mortgage ARK LA TEX FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2018 · Amount on Record
Deed Sale	Jun 4, 2018 · Amount on Record
Prior Sale	Jun 29, 2016 · Amount on Record
Deed Document Number	2018780208
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	904 41ST AVE S, MOORHEAD, MN 56560-7438
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000840189
Date	Aug 24, 2023
Instrument	840189

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 15, 2043

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	904 41ST AVE S, MOORHEAD, MN 56560-7438
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	TITLE CO OF FARGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000798450
Date	Feb 24, 2020
Instrument	798450

Lender

Name	ARK LA TEX FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jun 4, 2018
Property Address	904 41ST AVE S, MOORHEAD, MN 56560-7438
Document Number	0000780208
Instrument Date	Jun 1, 2018
Instrument	780208
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	TITLE CO OF FARGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$446.20
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	904 41ST AVE S, MOORHEAD, MN 56560-7438

Mortgage

Document Number	0000780209
Date	Jun 4, 2018
Instrument	780209

Lender

Name	ARK LA TEX FINANCIAL SERVICES

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	$4,068.00 (+19.37%) Homeowner's exemption	$268,700 (+4.43%) Land $27,600 Building $241,100	$268,700 (+4.43%) Land $27,600 Building $241,100
2025		$257,300 (+10.43%) Land $25,900 Building $231,400	$257,300 (+10.43%) Land $25,900 Building $231,400
2023	$3,408.00 Homeowner's exemption	$233,000 Land $25,900 Building $207,100	$233,000 Land $25,900 Building $207,100

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber in parts of the area	2,000 / 350
Sparklight Cable	1,000 / 50

May also be available: CenturyLink, Otter Tail Telecom, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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