920 41st Ave S, Moorhead, MN 56560 Property Records

Clay County property record for 920 41st Ave S, Moorhead, MN 56560

Property Summary

Property Type	Single Family Home
Lot Size	0.37 acres (16,133 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jun 2015)
Tax Bill	$5,830 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2022 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`58.608.0370`

Property Details

APN / Parcel Number

Primary APN	`58.608.0370`

Exterior

Lot Area	16,133 sqft (0.37 acres)

Location & Zoning

Street Address	920 41ST AVE S
City	MOORHEAD
State	MN
Zip	56560-7438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME PRAIRIE SKIES LOT 010 BLOCK 002 SUBDIVISIONCD 58608
Legal Range	48
Legal Township	139
Legal Section	29
Legal Subdivision	PRAIRIE SKIES
Legal Block	2
Legal Lot Number	10
Jurisdiction	CLAY MN
Township / Civil Division	MOORHEAD
Census Block Group	2
Census Block	2001
Census Tract	30110

Owner

920 41st Ave S is owned and occupied by two individuals who bought it in June 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	920 41ST AVE S, MOORHEAD, MN 56560-7438
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
Sep 1, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 7, 2022	Deed of Trust, Mortgage · Line of Credit GATE CITY BANK
Jul 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage GATE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2015 · Amount on File
Deed Sale	Jun 17, 2015 · Amount on File
Prior Sale	Oct 24, 2011 · Amount on File
Deed Document Number	2015746225
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MN
Recording Date	Sep 1, 2023
Property Address	920 41ST AVE S, MOORHEAD, MN 56560-7438
Document Number	0000840412
Instrument Date	Sep 1, 2023
Instrument	840412
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,141.80
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	920 41ST AVE S, MOORHEAD, MN 56560-7438

Mortgage

Document Number	0000840413
Date	Sep 1, 2023
Instrument	840413

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	920 41ST AVE S, MOORHEAD, MN 56560-7438
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000834548
Date	Dec 7, 2022
Instrument	834548

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2052

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	920 41ST AVE S, MOORHEAD, MN 56560-7438
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000791891
Date	Jul 29, 2019
Instrument	791891

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 24, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 920 41st Ave S was $5,830 with a homeowner's exemption.

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	$5,830.00 Homeowner's exemption	$355,900 (+0.79%) Land $57,800 Building $298,100	$355,900 (+0.79%) Land $57,800 Building $298,100
2025		$353,100 Land $66,100 Building $287,000	$353,100 Land $66,100 Building $287,000
2023	$4,834.00 Homeowner's exemption	$317,700 Land $66,100 Building $251,600	$317,700 Land $66,100 Building $251,600

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

Flood

FEMA maps place 920 41st Ave S in Zone X, an area of moderate flood risk.

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

The area around 920 41st Ave S has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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