905 3rd St S, Moorhead, MN 56560 Property Records

Clay County property record for 905 3rd St S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.24 acres (10,500 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Mar 2021)
Tax Bill	$4,258 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jan 2019 Sale
Flood Zone	Zone X (moderate risk)
APN	`58.665.0970`

Property Details

APN / Parcel Number

Primary APN	`58.665.0970`

Exterior

Lot Area	10,500 sqft (0.24 acres)

Location & Zoning

Street Address	905 3RD ST S
City	MOORHEAD
State	MN
Zip	56560-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME RIVERSIDE ADD SUBDIVISIONCD 58665 LOTS 3 TO 5 10
Legal Range	48
Legal Township	139
Legal Section	08
Legal Subdivision	RIVERSIDE ADD
Legal Block	10
Legal Lot Number	3
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	4
Census Block	4014
Census Tract	20500

Owner

905 3rd St S is owned and occupied by two individuals who bought it in March 2021.

Source: Clay County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	905 3RD ST S, MOORHEAD, MN 56560-3315
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Jan 9, 2019	Warranty Deed, Transfer F M TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2021 · Amount on File
Deed Sale	Mar 2, 2021 · Amount on File
Prior Sale	Jan 9, 2019 · Amount on File
Deed Document Number	2021812656
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Mar 2, 2021
Property Address	905 3RD ST S, MOORHEAD, MN 56560-3315
Document Number	0000812656
Instrument Date	Feb 26, 2021
Instrument	812656
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	905 3RD ST S, MOORHEAD, MN 56560-3315

Mortgage

Document Number	0000812657
Date	Mar 2, 2021
Instrument	812657

Lender

Name	GATE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Jan 9, 2019
Property Address	905 3RD ST S, MOORHEAD, MN 56560-3315
Document Number	0000786412
Instrument Date	Jan 4, 2019
Instrument	786412
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	F M TITLE

Transaction

Amount	Amount on Record
Tax	$641.85
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	905 3RD ST S, MOORHEAD, MN 56560-3315

Tax Assessment & Valuation

The 2026 property tax bill for 905 3rd St S was $4,258.

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	$4,258.00	$257,900 (+1.38%) Land $51,500 Building $206,400	$257,900 (+1.38%) Land $51,500 Building $206,400
2025		$254,400 Land $56,300 Building $198,100	$254,400 Land $56,300 Building $198,100
2023	$3,486.00	$230,900 Land $52,500 Building $178,400	$230,900 Land $52,500 Building $178,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 905 3rd St S in Zone X, an area of moderate flood risk, though there have been 102 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1978–2015)
Claims Outside the SFHA	31 of 102
Most Recent Claim	Jul 2015 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2011 · 20 claims Flooding, Apr 2006 · 16 claims Severe Flooding, High Winds,severe Storms, May 1997 · 22 claims

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

Wildfire risk around 905 3rd St S is low, with less than a 0.01% annual chance of 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 397 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: Verizon.

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